davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Last four of Care Credit Mastercard : XXXX Birthdate : XX/XX/XXXX Social is XXXX On XX/XX/XXXX, I called into Synchrony Bank to ask for a replacement care credit Mastercard . The representative inexplicably, either through poor training or a miscommunication, accidentally closed my entire CareCredit account that I have had for ten years instead of just issuing me a replacement credit card. I logged in the next day and saw this error, but it was after twenty four hours and systematically they couldnt help. Im filing this complaint because I want someone at synchrony to please correct this error and reinstate my account. Ive never had a missed payment, derogatory mark, and Ive been a good and loyal customer for many years. This was purely employee error, and I believe the bank should do right by a good customer and help correct it The managers in duty were extremely rude and disrespectful. I tried multiple times within the allowed window of time to have them fix my account. They tried sending me several links I never received?
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

Dear Authorized person, I recently pulled my credit report from all 3 major credit bureaus and noticed a collection being reported in my name from SECURITY CREDIT SERVICES in the amount of {$750.00} Opened XX/XX/year> ( XXXX yrs, XXXX mos ) This account was fraudulently opened in my name due to identity theft and this item reporting has caused me a lot of mental anguish and is preventing financially in my life as well as my family. I ask that you kindly review the attached identity theft affidavit that I had notarized and remove the account from my credit report. 

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Cash app hacked and email and phone changed by scammer who took XXXX out of my account. Cash app already had a class action lawsuit against them for allowing their customers to be hacked and refusing to refund the money attached is my police report
Consumer complaint received 2024-10-08
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc. (TX)

This has been an issue since XX/XX/year>, this is a XXXX XXXX Debit Card which is reloadable which has an available amount XXXX I want to obtain my funds off the card. Being accused of some illegal act when it is simply my money that I loaded the card with. They have suspended my card, holding funds illegally. I am simply wanting my funds off the card and still trying to attempt that as of XX/XX/scrub>XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX and the following inquirires as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Data Systems (NJ)

The company name is Financial Data System the debit is a {$36.00} When i ask more infe from where is this debit come from the XXXX a very agresive langiage very rude and threat each time they call I do have all contacts recordet
Consumer complaint received 2022-10-14
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. (SC)

In accordance with the fair credit report act. The list of accounts below gas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account name : 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. 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-28
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)

Initial complaint # XXXX New complaint submitted to attached updated FTC Report Report was updated to include inquiry dates although dates are clearly listed on dispute letter. Initial report also did not include XXXX and Experian, the two entities reporting incorrect information that has been identified as fraud.

See Attached
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Transunion Credit Report and I noticed that late payments from XXXX XXXX XXXXXXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX. 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. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Best Regards, XXXX XXXX
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/2022 I received an email at XXXX XXXX  from PayPal indicating there was suspicious activity on my account and I also received an email for a receipt for a transaction equal to {$7500.00}. I immediately logged onto my PayPal account ( I did not click the links in the email but actually opened the website on my computer ). I opened a case about the transaction and disputed that it was an authorized transaction. Since it was such a large amount of money I also immediately called PayPal and they assured me that if I was hacked it would be unauthorized and I would get my refund. I also called my bank and asked them to freeze my account which they told me I could not do. I did not pressure my bank on this because I assumed there was no way my transaction would come back as authorized. When I woke up the next morning I checked my email and saw my case was resolved. PayPal had decided it was an authorized transaction. I immediately called and asked how they could possibly say that was the case and they told me they saw no signs of me being hacked. I asked how that was possible and that they were the ones who alerted me to the suspicious activity and they told me that it was an authorized transaction. The transaction was paid to a XXXX jewelry company and to be shipped to a XXXX address. I called PayPal back and they told me the only thing I could do was change by case to be a item not received case and if the transaction was not legitimate there would be a high chance I could get a refund still. They also told me I could try contacting the merchant and see if they could cancel the transaction. I did try contacting the merchant and the phone number they had listed did not exist. I called PayPal back the next day and said that I suspected they were a fraudulent company and that they were just the place the hacker transferred my money to. PayPal assured me that if that was the case there would be no way they could provide the information needed to dispute my case of item not received. Now I am waiting while they review the information that the merchant provided them and have a suspected resolution date of XX/XX/XXXX. Regardless of the outcome the fact that PayPal detected what was a breach of my security and still decided that I was not hacked and I was not protected makes me very distrustful of them ever again.
Consumer complaint received 2022-07-15
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. (IL)

Pursuant to 18 usc 8, i owe no debt. Transunion violated my consumer rights to privacy pursuant to 15 usc 1681b 2, Transunion also has no permission to report ANYTHING using my info pursuant to 15 usc 1681A. The accounts in question are XXXX XXXX XXXX XXXX ( LATE PAYMENT ). Me begin the consumer my rights have been violated and I want that late payment to be removed immediately.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices Howard Lee Schiff, P.C. (NH)

XXXX XXXX XXXX refuses to supply me a satisfactory letter saying my debt has been paid. However I did receive one from there law office In NJ. but this is not the letter that I am needing. I have been lied to hung up on an yelled at over the phone. This is not okay. If I do not receive this letter in a timely fashion I'm going to lose my hose. I have tried repeatedly to get the letter from XXXX XXXX XXXX not there law office. 
Again they refused to work with me. I need a letter from XXXX XXXX XXXX say the debt has been paid. Not from Lee shift pc XXXX XXXX XXXX!
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX we XXXX XXXX ( also known as XXXX XXXX ) and I, XXXX XXXX XXXX, received an incorrect Certificate of Release from the holder of the mortgage on our home, Fifth Third Bank. 

Despite much correspondence with Fifth Third Bank, they have continually refused to give us a correct Certificate of Release. 

We have describe this problem in detail in our correspondence with CFPB. 

Our correspondence with CFPB is dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

Please advise.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; 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.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Newport Intermediate Inc. ()

I have not being able to log into my account. I was working for XXXX XXXX XXXX and I received this pay card which is by north lane and their website and app has been administered by my payment vault which I have also submitted a call too. 

On the bank off the card it says This card is issued by XXXX XXXXXXXX XXXX XXXXXXXX. 

I am not able to log into my account, I have gotten temporary password when I click forgot password and Im still not able to log into my account. I have called in and I received a temporary password and Im still not being to log into my account.

I have been told my accounts been refreshed and reset and try logging in 4 hours. I try in 4 hours and Im still not able to log in. I have been told to call back in two business days and Im still not able to log in.

Im wondering if this is being done on purpose because the bank maybe wants to fraud me of my money. I seen the account has XXXX stars with others persons complaining their money has been stolen.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am requesting that your company provide me with debt validation and the XXXXalth Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following 1am requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX of this year, my husband and I had gone under contract and put down a deposit to purchase a newly built home through a builder. At the time, my mid-score used for qualifying on a conventional loan was in the 670s. Our closing was scheduled for XX/XX/XXXX of this year. In preparation for closing, my loan officer needed to pull a final credit report since the original one had expired after 120 days. On XX/XX/XXXX, my loan officer had pulled what shouldve been my final credit report. This was followed by a call informing me that my score had significantly dropped to a XXXX and that I no longer qualified for a conventional loan since the required minimum scores for a conventional loan is a XXXX. She had indicated that I was currently 30+ days late on my Kohls credit card. I informed her that would be impossible being my account is setup for automatic payments and I hadnt received any notifications telling me otherwise ( Ive included a copy of the page from my credit report pulled by my loan officer showing Kohls being 30 days late ). Upon her advice, I contacted Kohls on XX/XX/XXXX and inquired on the late payment and marker that was reported for the month of XXXX. The rep who I spoke with had informed me that they dont see anything on their end showing this account was ever late. I was instructed to write a letter addressing my concern as well as dispute this information with the bureaus. The issue at hand is that I dont have any time whatsoever to wait 30 days for an investigation nor do I have time to mail a letter in hopes for a quick enough response. The builder was able to provide me until XX/XX/XXXX to close ; however, stressed the fact that my deposit of {$23000.00} is in jeopardy if this isnt rectified and closing is missed ( Ive included a copy of the sales agreement addendum which had my last deposit made to support my claim ). I have not located my original closing letter and I have not been provided with an updated letter ; however, Ive asked my lender to please type a letter of confirmation stating what my closing date initially was and currently is. This is for nothing more than to solidify the sense of urgency of this matter.
Consumer complaint received 2024-09-22
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. (IL)

Transunion sent me a document stating that they have deleted ALL of the below listed Hard Inquiries from my consumer credit report- For which my Transunion consumer report still displays every hard inquiry that it claims have deleted. XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX