davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2023-07-31
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. (MD)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-07-31
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. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2023-07-31
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX  XXXX Account name ' XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...
Consumer complaint received 2023-07-31
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. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (IL)

I am refiling this complaint to NATIONSTAR/MR COOPER for allowing inaccurate information to reflect on my account to my credit reports and for no corrective actions taken on this inaccuracies. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have received and read your response on my complaint, but this account is now being handled by the XXXX XXXX XXXX. With that being said, I am not liable for any payment on this account or to any double payment,
Consumer complaint received 2024-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I left home in nc because my mom was sick back in XXXX XXXX come back to wife empty banck accounts and sfty deposit box and top of that find that i have a XXXX XXXX, i spoke right way to Secu bank and custumer service estate employee credit union and police and no help at : ( very sad and can recover from that I thought i save money sice XXXX XXXX XXXX when I XXXX  to The usa i savel a lot money and for one day this women call wife gets angryn and leaves and take money bank money cash and cars and sell, and come back to nothing when she even bought my eirplane ticket, is not right because i for sure did not unauthorized that, at all she only have access to account to pay a couple bill, is not right that she take all and i am the bad guy, it was that money from a XXXX XXXX not even mine Help help She took in cash in the safty {$85000.00} {$150000.00}
Consumer complaint received 2023-07-31
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)

Dear PayPal Customer Support, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, which I believe was a result of a mistake. I am deeply concerned about this matter and would like to present my case for your re-consideration. 

First and foremost, I want to emphasize that I have always adhered to PayPal 's policies and guidelines. I have never knowingly engaged in any activities that could potentially violate your terms of service. Therefore, I am perplexed as to why my account has been subjected to such restrictive measures. 

I kindly request that PayPal conduct a thorough investigation into my account 's limitation. I believe that a careful review will reveal that there has been an error or misunderstanding. I am confident that you will not find any instances of policy violations or suspicious activities associated with my account. 

Having relied on PayPal for many years for secure and efficient transactions, this limitation has significantly inconvenienced me both personally and professionally. I have always valued the trust and reliability that PayPal offers to its users, and I genuinely wish to continue using your services for my online transactions. 

For your reference, the email address linked to my PayPal account is XXXX. 

I understand that ensuring the security of your platform is of utmost importance, and I commend PayPal 's efforts to maintain a safe environment for all users. However, I sincerely believe that my account 's limitation was an unfortunate error, and I humbly request that you re-evaluate my case and consider restoring my account privileges, if deemed appropriate. 

I am eager to provide any additional information or documentation to support my appeal. Please let me know if there is any further information you require to re-investigate my case thoroughly. 

I genuinely hope that you will give my appeal due consideration and reach a fair and just decision. I eagerly await your response and sincerely thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely,
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (UT)

The time frame is 7 year and it says I have a XXXX from XXXX I was XXXX in XXXX and both of those date are very hard to find in the description it goes in to detail of XXXX times and XXXX thats not accurate..in the last year it has stopped me from getting a good job 3 times now also my address of where I lived are no where close to being accurate
Consumer complaint received 2023-07-31
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

I leased my vehicle from Lexus of XXXX in the year XXXXThey asked me to find a co-signer and i asked my sister to co-sign with me.At the time of lease, I was not explained the terms and conditions by the salesperson.They just told me that my car loan has been approved by their internal banking by Toyota finance.The lease term was for 4 years.I went to return my vehicle right when the leasing period ends in XXXX.They first refused to take my vehicle because they told me i have driven over miles and they demanded me to pay XXXXI said i am sorry i dont even know why you guys are asking me to pay that amount when i brought the vehicle on time.They said we wrote in the agreement that you will drive for only XXXX miles a year.I mean realistically it is impossible for a working person who owns just one car to be driving only XXXXmiles a year.I clearly told them that i am sorry you guys should have explained the terms and conditions at the time of purchase but they did not listen to me.I tried to escalate the matter to Toyota finance but they put XXXX in my collection.The collection people started reaching out to me everyday during the covid time and they started threatening me and my married sister that if we dont pay we have to bear the consequences.It was at a peak of covid time and I lost the hours at work and literally lost my job because everything was closed and i was living on unemployment benefits.They started sending letters to me and my sister and started calling my sister everyday.I got really terrified because i didnt want my sister to have any family problems because of my matter.Shes married and her husband was not happy that collection people were reaching out to them.I had to end up using my only unemployment benefits money to pay off that $ XXXX/-.I was really harassed and threatened by them and i had to pay $ XXXX at the peak of covid time.My wife hasnt been working from last 8 years due to some personal problems and i have XXXX kids as dependents.According to me it was completely of Toyota finance to first of take {$10000.00} forever miles from a customer when customer was not even notified in advance about the terms.Secondly, they recovered the amount by threatening me and my sister at the peak of covid time when i could use that money for me and my family.Due to this we suffered a lot for so many months.I would request the Consumer affairs to help me recovering my $ XXXX back because i was no where responsible to pay this amount.I was completely tricked by Lexus of XXXX and i am looking for a compensation for harassing my family at the peak of XXXX times and made us struggle through out the covid with limited funds to survive. 

My account number with the Toyota Financial Services is : XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report I come to find out XX/XX/XXXX a request to remove a personal statement that I am a victim of fraud and identity theft and that I should be contacted at phone number XXXX and they removed it XX/XX/XXXX I never requested that that needs to stay on my report for the duration of my life there's a data breach plus someone tried to steal my title to my home and I am a victim of identity theft and they remove that not at my request I tried to put it back on there it's not allowing me to do so and this needs to be put back on my credit report please note also TransUnion is the one that's doing this and transunion has also put a supplemental statement given the description of my property location a whole bunch of unnecessary information that's what I asked them and requested for them to remove which is my right and Dad they removed the identity theft part so I am beginning to feel like TransUnion one of their employees or somebody is in on identity theft and fraud those things have never been on my report as far as a description of my home that I purchase and an alert is on there that no credit is to be given until you contact me and verify that an account can be open they took that off I left me wide open I'm already a victim my mortgage company offered me special monitoring because of the data breach but I have been a victim of identity theft prior to that and now somebody has stolen my title to my home and my tax papers and all kind of things so this needs to be put back on my report they keep giving me the runaround I request credit reports they don't want to send them to me now they got me blocked out of my account I can not even get in or log in to see my credit report not the school just the credit report they're not allowing me to do that they're not allowing me to do anything. I tried communicating with these people to resolve this multiple times they're refusing to assist and they have remove essential information that will protect me as a consumer which is in violation under the Fair credit reporting act fcra please assist
Consumer complaint received 2023-07-31
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)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (CA)

I am I victim of identity theft, Ive tried contacting each of the company mentioned in this complaint individually to inform them that the accounts reported on my name are unauthorized by me and that they are fraudulent. 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 are all fraudulent accounts I did not authorize to be opened/reported on my credit report. I do not live at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I was trying to purchase concert tickets while at work and found an ad on XXXX for 4 tickets for {$60.00} each, totaling {$240.00}. I started texting the person who showed me proof of purchase via XXXX email, a picture of an ID ( which may have been stolen ), and an email address ( XXXX ). They requested I use XXXX to make the transfer, which is the preferred transfer method through BofA that I have used before. I was under the impression that it was a secure money transfer method because it was through BofA and would not have to worry about fraud. Once I made the transfer, I never heard back from the person. After an hour and still no response, it was clear this was a scam. I called Bank of America to try to reverse the transaction and they said the charge was not able to be cancelled. I filed a claim with BofA and have yet to hear anything back. They mentioned this could take up to 45 days to process, and the likelihood of getting refunded was minimal to none. This was hard to believe from a company I have trusted for so long. 

Also of note - BofA was initially able to tell me that the receiving account was XXXX XXXX. I then called XXXX XXXX to try and track down the scammer with the email address linked to the given bank account. Because I am not a member of the bank, they dismissed my call and redirected me to BofA. This was extremely frustrating that the bank was not willing to investigate one of its potentially fraudulent customers.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

My name is XXXX 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.