davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc (MT)

In XX/XX/2023, I let someone use my phone to login to there accounts, such as XXXX XXXX, XXXX etc. She added her XXXX account onto my XXXX  XXXX and wothin a day or XXXX i staryed getting push messages from my paypal account it's now Negative {$100.00} that was added to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wasnt able to use my same day opened XXXX XXXX  account I also have a shared account with my husband at XXXX XXXX XXXX. Transactions from Paypal were being transferred from XXXX account to someone else 's? I spole with XXXX app XXXX via messaging and he asked questions but didn't do anything automated? I can not access all of my credit card, debit card, checking & savings acounts do to switching from t mobile to XXXX XXXX. My ssn is compromised. Get me a new identity and off the XXXX XXXX. With all do respect please get me my money back. I shouldn't have to clean up some else 's mess.
Consumer complaint received 2022-07-11
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 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 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. All bureaus are showing a collection from XXXX XXXX XXXX which is incorrect and should be removed. Please assist. 

XXXX. Experian XXXX. XXXX XXXX. XXXX
Consumer complaint received 2023-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Hello, EDfinancial is my loan servicer. On XX/XX/2023 I requested a refund for XXXX as I made a payment. However, due to family troubles and hospital bills I need the money to help my father and pay for it. I requested the refund same day and I got an email saying it was processed. However, when I called to confirm eta no one.. no one could tell me an eta. This to me is concerning because its been almost 3 weeks and there has been no updates on whether the refund can even be processed an accepted. I need to pay the bills off as soon as I can and I am very worried about not having the funds. I am hoping to get some help to get any info or speed on this process. Thank you for reading my store. Take csre
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-08-31
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. (FL)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-11
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. (DE)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

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

They also violated my rights numerous times. 

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

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXXXXXX, 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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (LA)

EXPERIAN WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, EXPERIAN IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM EXPERIAN, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.
Consumer complaint received 2024-11-15
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)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am reaching out to formally dispute the inclusion of a XXXX on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2022-07-11
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. (AZ)

I was going over my credit report and noticed some inaccurate items on my report. Reached out to the bureaus regarding the matter with all the facts and they did absolutely nothing.
Consumer complaint received 2022-07-11
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. (MN)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-11
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have been with CitiBank Best Buy Visa since XX/XX/XXXX when I signed up for a Best Buy Credit Card and purchased a XXXX XXXX XXXX and tv stand for around {$2300.00} ( of {$5000.00} ). Since XX/XX/XXXX, I have been making payments every month since per their promotion, I get 0 % APR for 24 months ( ending XX/XX/XXXX ). I have made payments of {$100.00}, {$110.00}, {$270.00}, and {$100.00} going on for 4 consecutive months. The {$270.00} was extra because I made some purchases on Best Buy and XXXX, so I payed more to cover what I just purchased. Today ( XX/XX/XXXX ) I checked my balance on my account and noticed it was {$2300.00}. This confused me because the balance should be a lot lower. I called Customer Service and the first person was very rude. She hung up on me. The second person could not properly explain why my balance was higher. Where did this {$600.00} that I paid for go? Why is my balance higher than my original purchase? Almost as if none of those payments went through, yet according to my bank ( XXXX ) they have. And I have screenshots on my credit card account that they went through. In total if you don't count my payments and those additional purchases, I would owe around {$2500.00}. If you subtract that it would be around {$1900.00}. So where is this extra charge coming from? I triple checked all purchases made on this card and it all added up to around {$2500.00}. I also subtracted my payments ( that I made on time and paid more than the {$30.00} minimum ), yet where did this $ go? Which leads me to believe that Citibank has frauded me. They have taken that money and have not applied it to my balance. They were also very uncooperative and that first person hung up on me. I told them that until the issue is fixed to put a hold on my credit card and that I would not be submitting any more payments since the next is due on XX/XX/XXXX. I have XXXX other credit cards over the past 3 years and have never experienced anything like this. It is very odd and these other purchases made were very recent and would not have interest accumulated. After researching I hear they have done this to other people? This is greatly upsetting because I could not afford this TV upfront so I guess fell for the Best Buy credit card scam. This is ridiculous that my balance is not lower. Even more so that I have been a good client and have paid every month on time and more than the minimum. I specifically had {$100.00} set up because I calculated how much it would cost over the 24 months. Yet this company has taken my XXXX money ( I am a Permanently XXXX Veteran ) and has not applied it to this balance. Something needs to be done. Someone needs to hold this company 's malpractices accountable.
Consumer complaint received 2023-10-19
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)

I noticed there was an inaccurate account on my consumer report. I am not liable for this or any debt with XXXX XXXX XXXX XXXX  nor have I ever had a contract with XXXX XXXX account number XXXX. They can't provide me with a copy of the application of this debt proving my acknowledgment and commitment to the repayment of this debt like I have asked them for. 
Consumer reporting agencies assume a responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I contacted TransUnion and asked them to investigate and remove the inaccurate account from my consumer report. 
That they are illegally reported and I requested specifically their alleged original application bearing MY signature. They have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

For the past 6 months. Along with letters sent in XXXX of XXXX Credit Acceptance Corporation has been misreporting incorrect information; such as balances, payment dates, opening dates, comments and reporting misinformation on all 3 credit reports. This has caused my opportunity to obtain credit to be difficult. They have two bureaus reporting closed and one reporting still open plus 120 days late. This is a violation of the FCRA. Also, balances are incorrect from the paperwork Credit Acceptance has sent to me. They received GAP insurance money plus money from the sale of the vehicle. Credit Acceptance never granted me the resale paperwork or deficiency until after the vehicle was sold and they wanted to ask for the debt to be covered. Credit Acceptance also stated that the balance was XXXX, later changing it to around XXXX and reporting to bureaus the amount of XXXX. All faulty information. Please look at the incorrect information attached and have them remove their name and accounts off of my 3 consumer reports immediately. Ive asked them to DELETE several times and sent them the errors made. They take my proof and not fix the issue every time. Along with trying to cover their tracks. This violates FCRA code 623 ( a ) ( 1 ) ( c ).