davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (FL)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date XXXX Balance : {$26000.00}
Consumer complaint received 2023-04-26
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. (NE)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (PA)

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.
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/23 via XXXX marketplace a buyer contacted me to purchase two XXXX  I had listed for sale. The customer and I communicated via XXXX chat. He said he had been banned from using XXXX for payments and would like to pay me via paypal. I said that was fine. He sent me a total of {$720.00} for two XXXX. Before shipping out I contacted the customer to make sure the address provided was accurate. The address I had was in XXXX, WA. The customer said that he would like them shipped to another address in XXXX XXXX, TX. I have records of our communication. I confirmed once again this address in TX was accurate and explained that once shipped out I could not replace, or refund if the address provided was not accurate. He confirmed the address in TX was correct. I sent out the XXXX  and provided tracking. The items were delivered on XX/XX/XXXX. The seller opened a dispute in PayPal claiming he did not receive the XXXX. PayPal asked for proof of shipment I provided the tracking number, Paypal requested proof I sent to the address so I sent the shipping label image which shows the address that was provided by the seller. I also sent a copy of our chat which shows the seller asked me to change the address from XXXX, WA to TX. Paypal, ruled in the buyers favor. I have since learned that this is a common scam, scammers have learned to take advantage of PayPal, they will deliberately ask for a different address to ship to, and then will open a dispute so that they get refunded and they also get to keep expensive electronics, leaving us businesses or sellers out of luck. Paypal advertises safety policies in place to protect buyers and sellers but it seems the only people that their policies protect are scammers who know how to take advantage of their system!
Consumer complaint received 2023-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened an account with Truist Bank and was denied credit after completing my application. This was on XXXX XXXX. At that time they said they checked XXXX and that my score was too low to approve me and the letter they later sent said my score was XXXX. That is incorrect. My XXXX score at that time was XXXX. I am being denied credit illegally, forcing me to have a lower credit score than I have earned, causing me severe emotional stress, family distress and unnecessary hardship. 

This is clearly discrimination and according to your organization, the Consumer Financial Protection Bureau, denying me credit is discrimination. Under 12 CFR 202.4-Discrimination A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

The definition of discriminate according to CFPB : Discriminate against an applicant means to treat an applicant less favorably than other applicants. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 US.C 1692k. I have worked for years to raise my score and now that it is a XXXX according to XXXX, I am still being unlawfully denied credit. 

According to 15 USC 1681b Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.

This was not provided to me.

In section 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; My reputation has been damaged and harm has been caused to me and my family. I also reviewed the list of creditors who pulled my file from XXXX and at no time does Truist bank show up as pulling my credit report from XXXX in XX/XX/2023. So they are not only unlawfully denying me credit but using data from an unknown source to claim I am not creditworthy.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, I made a purchase with XXXX after enrolling for an Amex Offer that would provide {$150.00} back as a statement credit. To earn this credit, the offer required spending {$750.00} or more, which I did. My transaction was {$1100.00}. 
Other requirements of the offer required purchasing online from XXXX and paying the transaction in US Dollars. All of this I did after reading the terms multiple times. I have used thousands of Amex Offers and understand how to use them. I have never contested an Amex Offer, because I receive credit regularly due to knowing how to follow the terms & conditions. 
On XX/XX/XXXX, I initiated a chat with Amex through the website to inquire about the missing {$150.00} credit. I explained multiple times to the chat rep that I paid in US Dollars after choosing USA/Dollars as the website settings on XXXX ( which is based in XXXX, and I don't speak XXXX so of course I know I used these settings ). Despite choosing English/US Dollars on the website, Amex reports that XXXX billed in XXXX Yen. Thus, Amex says I didn't follow the terms of the offer and they won't provide the {$150.00} credit. I have a case ID XXXX and escalation ID XXXX. 
No reasonable consumer would expect to see a price listed in US Dollars on a website, follow an offer that says to pay in US Dollars, and then be told that you were billed in another currency, therefore not qualifying for a {$150.00} statement credit. This is deceptive. No consumer should fairly be expected to know that they're on the hook for choosing to pay in a certain currency and then being billed in a different one. It's deceptive and unfair for American Express to refuse to honor this, and it's insulting that they offered a maximum of XXXX points to my account ( worth {$30.00} as a statement credit -- {$120.00} less than the missing credit ) when I did everything a reasonable consumer could possibly do to follow the terms of their offer. 
I expect American Express to provide the credit since I followed the terms of the offer and have not been able to get XXXX to re-bill me in dollars.
Consumer complaint received 2023-04-26
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)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-26
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. (FL)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened:XXXX  Balance : {$26000.00}
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (SC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; AXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (NY)

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 account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (DE)

I was sent a credit card by Citibank AAdvantage card on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. 

Citi was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.
Consumer complaint received 2023-04-26
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have not know of this XXXX  account this account does not appear on any of my other credit reports XXXX this account violates FCRA laws 15 U.S.C Sec 1681i ( a ) to report accurate and complete information Re : Letter to remove inaccurate credit information This account is not mines I have asked for the account to be verified and validated Both TransUnion and XXXX  have been reporting incomplete and inaccurate information I have contacted Transunion several Times about my report and I feel they have fail to abide by the FCRA law 15 U.S.C Sec 1681i ( a )
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-01
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: NAVY FEDERAL CREDIT UNION (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Compliance with Federal and Texas FCRA Identity Theft Laws Dear NAVY FEDERAL CR UNION, I am writing to address the unauthorized reporting of information to my credit report, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Texas identity theft and finance laws. This unauthorized action by NAVY FEDERAL CR UNION has been executed without my explicit consent, directly violating Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the Texas Finance Code, and the Texas Penal Code Section 32.51 on identity theft.

Under federal law, Section 1681b ( a ) ( 2 ) of the FCRA mandates that consumer consent is a non-negotiable requirement for any entity reporting information to a credit bureau. Texas state law aligns with these protections, with Section 392.301 of the Texas Finance Code reinforcing the necessity of consumer authorization in all reporting actions, while Section 392.305 further delineates the standards for lawful credit reporting practices. Moreover, Texas Penal Code Section 32.51 underscores the criminal implications of unauthorized access and misuse of personal information, marking this as a serious offense under state identity theft statutes.

I firmly assert that I have not given consent for NAVY FEDERAL CR UNION to report any information to my credit profile, making this unauthorized reporting a blatant violation of my rights. Such disregard for legal standards has not only compromised my credit integrity but also exposed NAVY FEDERAL CR UNION to accountability under both federal and Texas laws.

I am demanding the immediate cessation of any further reporting activity by NAVY FEDERAL CR UNION to my credit report. NAVY FEDERAL CR UNION must comply with federal and Texas statutes requiring explicit consumer consent, as stated under Section
1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should there be failure to address this within the required 30-day period, I will interpret this as deliberate noncompliance, subject to legal penalties, including those outlined in Texas identity theft laws.

Consent is not discretionary in these mattersit is a legal obligation. I expect NAVY FEDERAL CR UNION to act in strict adherence to these laws and to uphold my rights as a consumer protected under federal and Texas law.