davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my credit score from TransUnion, ( via  XXXX XXXX XXXX App ) my score dropped 8 points for  the month of XXXX XXXX XXXX from XXXX. It dropped 10 point during XX/XX/XXXX( XXXX ). Almost a combined 20 points in less than 1 year. The key factor listed affecting my score was " No recent bank/national revolving balances. '' In contacting TransUnion Credit services I was informed my score dropped because they want me to open more accounts. I 'm totally disheartened, and in disbelief because I 'm being punished for not being in debt, paying my credit cards on-time, and being literally forced and bullied into obtaining more lines of credit. At what point will by score continue to be lowered?! Until it 's just good. I 've worked extremely hard to ensure that I pay my bills and not go into debt. It 's taken me years to feel a great sense of financial freedom in not owing bills. I 've more than sufficient accounts open at other banks in total 4. This has to be addressed and corrected. I called on XXXX and was informed a call back from a manager and no response. Please HELP! Signed- XXXX
Consumer complaint received 2017-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Southern Auto Finance Co (TN)

XX/XX/XXXX I was in a car accident that had me out of work for five month due to injuries from the wreck. I was insured with XXXX at the time and they deemed the vehicle a total loss. 

Back in XX/XX/XXXX the same vehicle was vandalized. I was at that time with XXXX. I got the work done to the vehicle and have the receipt. 

Fast forward XX/XX/XXXX my car was vandalized again while insured with XXXX. I filed a claim and they were very slow about the process in getting my vehicle fixed. I missed the examination under oat due to never receiving the mail. 

All leading to XXXX deducting from the total value of the vehicle because of the vandalism they didnt cover. The car is totaled!! I almost XXXX in that wreck. What does vandalism even matter at this point?! 

Safco which is my lien holder decided to say to XXXX that I never got the car repaired in XX/XX/XXXX and sent for the funds. XXXX in turn pays safco without notice to me out of my bank account from a transaction thats over a year old ( {$3500.00} ) .Thats an u authorized Transaction and illegal. I am a service member and I was robbed of my resources due to the illegal acts of the banks. XXXX XXXX XXXX XXXX AND SAFCO. They should all be investigated they are multimillion dollar companies stepping on the backs of working Americans. 

Its against the law to take the resource of a consumer without notice I have had no money since XX/XX/XXXX. The day before my birthday!! I spent the first few weeks of my new aged life without funds. I am livid that its taking this long and want interest on the money that was taken from me.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

I was voluntarily taken off a credit card from lowes/ SYNCB/LOW XXXX that am no longer an authorized user on and lowes has reported to the credit bureau XXXX and others that I own an out standing balance of {$10.00}
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Date of Inquiry : XX/XX/XXXX Delete this Inquiry 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of Inquiry : XX/XX/XXXX Delete this Inquiry 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of Inquiry : XX/XX/XXXX Delete this Inquiry 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Delete this Inquiry 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of Inquiry : XX/XX/XXXXXXXX  Delete this Inquiry
Consumer complaint received 2023-11-08
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 (IL)

I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. 

I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. 

I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. 

I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. 

In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies.
Consumer complaint received 2023-04-18
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. (PA)

I have a few accounts on my Transunion credit report that are Fruad I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block on my credit report.
Consumer complaint received 2023-11-08
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. (NY)

I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-11-08
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-08
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2023 {$10000.00} was withdrawn without our authorization from my husband and I joint account. The claim was made through Citizens Bank ( Claim # XXXX ) and a police report was filed through XXXX Massachusetts PD. The police officer then contacted both parties involved, Citizens Bank and the bank that the money went to, XXXX XXXX XXXX XXXX, in which XXXX XXXX XXXX XXXX reported on XX/XX/2023 that the check was fraudulent and the funds were allotted back to Citizens Bank. The police officer then spoke to a citizens bank and was told via email on XX/XX/2023 that the funds were going to be allotted back into the account within 5-7 business days. I have personally called the Citizens Bank claims department weekly since XXXX to check in on the claim and have yet to be given the money back. The representatives with Citizens Bank have no information to share that is consistent with what was stated to the Police officer on the case. The representatives at the claims department proceeded to tell me that it could take a year to get the money back and that is just how this works.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I sent credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX/Equifax agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

Td/ Target is reporting fraudulent information on my credit file. Please see the attached FTC report and my drivers license and stop the erroneous fraudulent reporting. I have made multiple attempts to speak to Tdbank/target and request the deletion of this fraudulent account and yet this account persists to report on my credit
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc. (MA)

Consumer Portfolio Services you have violated section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) section 807 ( 7 ) of the Federal Debt Collection Practices Act ( FDCPA ) and Federal Trade Commission ( FTC ) because you have responded to my multiple disputes with the credit reporting agencies in regards to this account. According to the FCRA, FDCPA and the FTC Notice to Furnisher Obligation of Furnishers you are REQUIRED and Obligated to provide NOTICE of DISPUTE within 30 days after a consumer file a dispute with the consumer reporting agency. According to the consumer reporting agencies and my consumer report in multiple times in 2023 but did not furnish to the credit agencies that the information is disputed by consumer as REQUIRED according to the FCRA, FDCPA and the FTC. This a serious violation of section 623 ( a ) ( 3 ) of the FCRA, violation of section 807 ( 7 ) of the FDCPA and the FTC and grounds for deletion of this account. The required Notice of Dispute still doesnt report or appear on my consumer report as of today XX/XX/2023, 120 plus days after Consumer Portfolio Services responded to the credit reporting agencies re-investigation multiple times in 2023. I have provided as proof documentation multiple XXXX consumer report and Identity XXXX XXXX XXXX  neither reports showing the required Notice of Dispute. I have also provided as proof documentation a copy of the section of the FCRA, FDCPA and the FTC pertaining to my dispute highlighted for your review. 

Because of this FCRA, FDCPA and FTC violation committed by Consumers Portfolio Services I request that Consumers Portfolio Services update this account to show No Data for the month of XXXX and XX/XX/2023 or update this account to show paid as agreed for XXXX and XX/XX/2023 or delete this account from my consumer report for violating section 623 ( a ) ( 3 ) of the FCRA and violating section 807 ( 7 ) of the FDCPA and FTC pertaining to Notice of Dispute.
Consumer complaint received 2017-12-03
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. (MD)

I have on more than two occasions requested that XXXX and TransUnion remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. XXXX ( Report # XXXX, dated XXXX XXXX, XXXX ) and TransUnion ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) to  further solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and this information was also sent to the two credit bureaus as well.
Consumer complaint received 2023-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I was first contacted on XXXX by a phone number matching my phone 's area code but not matching the area in which I currently reside and was asked to verify my address. After giving only the numbers of my address, I was told I was correct and was informed I owed a debt to my current power company. After checking myself that I did not in fact owe that amount at all, I double-checked with the collector what the full address was that he was collecting for. At this time he gave me the number I had said, followed by the street name for a previous address I had lived at, combining the two into one address that does not exist. At this point, I became suspicious and called the collector out for having a fake address at which point he hung up on me. I then called the number back to check if it was a cloned phone number, and the woman who picked up was very shifty when I asked what the company was, attempting to collect information from me without revealing whose number this was. She then dropped the standard " this is a debt collection call '' script on me before attempting to collect for the address that - sure enough- was the incorrect amalgamation of two addresses. When I asked her to type the address she had into XXXX XXXX  to see if it existed, she verified that it in fact did not, but attempted to place the blame on the company they were collecting for. I then called the company and spoke with several departments to try to find out if they had ever done any business with this collections agency and it turned out that they had not. Calls like this have continued now, at some points interrupting my work and being made after XXXX XXXX and every time I identify that the address they have doesn't exist and that they are trying to scam me they hang up.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EQUIFAX, INC through the CFPB about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : 1.Settlement Offer 2.Civil Cover Sheet ( dated XX/XX/2023 ) 3.CAF via IRS, Power of Attorney, Fee Schedule 4.CFPB case numbers, EQUIFAX, INC consumer report date and confirmation numbers 5.Bill of Particulars 6, Passport Card ( Identification )