davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

PayPal responded to my previous complaint and there response does not address nor resolve the claims and contradictions made in there previous responses. As I was having difficulty adding a bank to my now limited PayPal account, An individual simply named " XXXX '' from the executive office department instructed me to send him a copy of my personal banking details so he could manually put the bank on file due to there multiple adjustments being ineffective. PayPal 's executive office received a copy of my personal banking information, only to review my bank account and deem it not currently supported by PayPal at the moment. It's sounds strange to me because I have friends and family who states there XXXXXXXX XXXX account and PayPal account are linked just fine. With that being said, in PayPal 's response they fail to acknowledge that I have attempted to add multiple bank accounts not just one from XXXXXXXX XXXX I'm curious to know if all the banks I tried are non supported as they are all being denied. If so, what is a PayPal supported bank account, and will I be assisted with finding one? Am I supposed to go about opening random bank accounts in hopes that one is PayPal eligible? Lastly in a response that PayPal gave me, they advised me to send my questions and concerns to the executive office via email XXXX. The one problem with that is I don't get a response to my questions or concerns, further more I don't even get a response when I respond to the conversation opened in the message center. I only get a response when I open a CFPB complaint. Why is that? Sadly I'm in the same situation I was in prior to opening these complaints. I currently can not add my bank account on file though they've made multiple adjustments to allow me to do so, I've given my personal details to XXXX who assured he would have it manually added for me to no avail, They claim my account is fine and the bank attempted was just a bad bank so I've tried alternatives with no success, Lastly I go to contact the department I was directed to contact via the method they provided ( Including XXXX ) only to receive no response. Is this proper and ethical?
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2022, I received a statement from TD Bank Mortgage that showed I did not pay my mortgage and with some late fees. I reconciled the payments with my actual bank, and saw that the checks were mailed ( as I use AutoPay ) and cashed, with money taken out of my checking account on time. I called TD bank a few times, and simply get stuck in an automated loop without being connected to anyone. Once I was connected, and she said she could not authenticate me on the phone and I would have to try again some other time. TD Bank has no online resource, no online management of the mortgage, and is wrongly charging me late fees.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (AZ)

I had a mortgage on my previous home through Loan Pal. My home was sold and Loan Pal sent me a letter dated XX/XX/XXXX stating that they would send me an escrow refund check in the amount of {$850.00}. The letter said that the refund would be sent within the next 20 days. Many months after I had wondered if I ever received the check. I have even looked into my checking accounts to see if I could find a transaction for that amount and have not been able to. Loan Pal had been taken over by Good Leap mortgage. I called Good Leap and told them about my letter and asked them to research it for me to see if the check was received by me. They said they needed to re-issue another check and that they would do the research. I have been calling them ever since and asking them to re-issue the check. This has been over the course of approximately a year and a half that I have been in contact with them. During that time period they have been telling me that the check was sent to my old residence that was sold or even that the check was sent to my current residence and that I should wait to receive it in about 30 days. Over a week ago they said they would send the check to me USPS express mail and that I should have received it around XX/XX/XXXX. I still have not received the check yet. They have told me it has been re-issued. I have lost confidence in them and have decided to contact you.
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

On Saturday, XX/XX/XXXX, my iPhone was stolen from me while I was in New York City. I quickly learned from my credit card companies that the individual ( XXXX ) gained access to my phone contents, which included my bank/brokerage accounts. To confirm transactions across my asset accounts, I looked into my XXXX XXXX checking account and saw that there were transactions listed from Coinbase. The XXXX XXXX transactions listed showed that my XXXX XXXX account stopped the transactions ( showing a withdraw but also a deposit back into my account ). As any person would, I quickly logged into my second checking account at XXXX XXXX XXXX XXXX ( XXXX ) to find no charges on my account. Regardless, I changed my password for XXXX. Several days later, specifically on Monday XX/XX/XXXX, two days after realizing several of my accounts were compromised, I checked my XXXX account again to find that there were two withdraw charges, first one being {$700.00} and the second being {$4300.00} from Coinbase. I called XXXX and they told me these withdraws were initiated from my external Coinbase account. I called Coinbase and learned that the individuals used my Coinbase account which was linked to my PNCU checking account to purchase XXXX and sell it. In the process, I was told by Coinbase that the money they transferred from my XXXX checking account was sent to another " external account '' that did not belong to me after transacting the crypto currency. I did not authorize any transfer of my funds, withdrawal of my funds, any payments, ACH or ETF transactions from my bank or from my Coinbase account to another bank. Coinbase completed transactions with my funds without my instigation or approval.
Consumer complaint received 2022-10-03
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-01-30
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. (TX)

I have contacted the companies and agencies about the inquiries on my credit report that I do not recognize but they refuse to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX # XXXX XXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-30
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. (NV)

Hi there! 

Hope you're doing well! I was looking into some legal stuff and noticed a few things regarding my credit information that I'd like to discuss. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it emphasizes the need to ensure that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

XXXX and XXXX, being consumer reporting agencies, handle my credit info, and as the consumer, I have the right to ensure my private information isn't shared. This right is backed by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

Now, here 's the deal : 15 USC 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer to whom it relates. The furnishers of information to credit agencies ( like financial institutions ) need my consent for this, and they surely don't have my written consent. I'm revoking any and all consent, be it verbal, non-verbal, written, implied, or otherwise. 

Moreover, 15 USC 6802 ( b ) ( c ) states that a financial institution can't disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. However, the furnisher of information to credit agencies never informed me of this right. 

I also noticed that 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information without permission. This account they're reporting seems to be an adverse item they're sharing without my permission, which goes against the law. 

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) says that a person shouldn't furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and XXXX, it seems, might be falling short on maintaining reasonable procedures to avoid violations. 

To add to that, 15 U.S. Code 1681e states that every consumer reporting agency should maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes. It seems like XXXX and XXXX might not be maintaining these reasonable procedures. 

Last but not least, 12 CFR 1016.7 states that a consumer can exercise the right to opt out at any time. So, just to make it crystal clear, I'm opting out of your reporting services. 

I appreciate your understanding in sorting this out!
Consumer complaint received 2024-10-29
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. (IL)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX, Equifax, and XXXX ARE IN Violation of FCRA 15 U.S.C 1681a ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION. The are reporting two collection accounts on my consumer report that is totally inaccurate from XXXX XXXX XXXX. Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

" 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I was recently reviewing my credit report and realized that there were a number of inaccuracies such as misspelled names and addresses at which I no longer live and therefore do not correspond to my current address. 

The inaccurate information is as follows NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Having this inaccurate data is affecting me personally because it is not allowing me to build credit and get credit.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-10-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (CA)

The Department of Education and Nelnet have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the XXXX credit bureaus : XXXX, XXXX, and XXXX. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Consumer complaint received 2022-10-04
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: CAINE & WEINER COMPANY, INC. (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate