davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS WITH FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX. 
XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (CA)

I went to send {$2000.00} dollars to Sigue Corporation branch located in XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXThe Money Transfer is from me to XXXX XXXX XXXX XXXX with the transaction order XXXX and the date was on XX/XX/2023 and they still have not deliver the money transfer.Please let me know what can i do to get my money back or deliver to person in XXXX XXXX XXXX Thanks.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit dossier in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (OR)

I previously filed a CFPB complaint disputing the validation and responsibility of this debt. CFPB complaint number : XXXX. To which the company responded on XX/XX/year> " Company 's Response This communication is from a debt collector. Thank you for notifying Professional Credit Service of your concerns. Please note that the account referenced in your complaint was cancelled from our office and returned to the creditor on XX/XX/year>. 
As such, Professional Credit Service will not be contacting you again regarding this account. If you have questions or need additional information, you may contact our Consumer Help Desk at XXXX. Sincerely, Professional Credit Service '' However, despite the assurance provided in their response, I received XXXX additional letters from PCS dated XX/XX/year> and XX/XX/year>, respectively. In these letters, XXXX stated that they had reviewed the information on their end and determined the debt to be accurate and due. This stance directly contradicts their earlier communication which confirmed the account had been cancelled and returned to the creditor. Notably, this reversal of position was neither included in their initial response to my complaint nor was it communicated to me beforehand, leaving me without the necessary information to understand or dispute their renewed claims. 

This continued correspondence from PCS, following their explicit assurance that I would not be contacted again regarding this account, not only causes confusion but also distress. It suggests a lack of internal consistency in handling disputed debts and raises concerns about their adherence to the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding the cessation of communication upon a consumer 's dispute and request for validation which has not been adequately addressed.
Consumer complaint received 2023-12-05
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

On XX/XX/2023 THD/CBNA lowered your credit limit. 
THD/CBNA lowered your Credit Limit to {$5000.00}. 

Source : XXXX Company : THD/CBNA Address : XXXX XXXX XXXX, XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX Activity : Revolving Charge Accounta Previous Limit : {$5500.00} New Limit : {$5000.00} I found this on the XXXX site. I tried to call the number to inquire as to why my credit limit was decreased. The intended use of the card is for special projects. There is no justification, no letter, as to why my limit was increased. 

Resolution : My credit limit should be re-established to the original {$5500.00} limit.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION (MS)

I received approval from XXXX XXXX ( Government Program ) to get Covid funds to bring my mortgage current. They have not responded to the original request in XX/XX/year>. 

Could you ask them what is taking so long for their response to XXXX XXXX. This is a very stressful process and I need to know what is going on. I am a senior with {$25000.00} left on my mortgage again somebody need to look into this mortgage company.
Consumer complaint received 2023-12-05
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit report is some how littered with allot of different addresses that I don't live at nor even heard of. My name is on my credit report spelled in several different ways that I have never used nor went by for any reason or occasion. There are bundles of phone numbers that are also connected to my credit report that have absolutely no relation to myself what-so-ever. There is also a few places of employment that are on my credit report in which I have never been employed. 
All of this additional information that is on my credit report causes concern for creditors that I request funds from. It makes it look as if multiple people are just randomly applying for credit with my name, but there are NO Fraudulent accounts on any of my credit reports. I am trying to buy a very nice home for my family and little things like this are potentially preventing myself from such purchases.
Consumer complaint received 2023-12-05
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-12-05
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. (FL)

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 XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-12-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally disputing the accuracy of the information pertaining to the listed accounts on my credit report. Upon identifying discrepancies, I proactively contacted the creditor to seek validation of the debt. Regrettably, the creditor failed to provide any substantiating documentation. My primary concern revolves around the misrepresentation of the account in question, falsely categorized as a late payment account. I insist on the provision of concrete evidence supporting the claim of late payments. In the absence of such evidence, I demand the immediate removal of the negative payment status associated with this account from my credit report. Account Details : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (CA)

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  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 reporting 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 a reasonable cause to believe that the information is inaccurate.

Also, there are credit inquiries on my report that I dont recognize.

These inaccuracies are stopping me from getting a house and a car for my family.
Consumer complaint received 2023-08-18
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: SYNCHRONY FINANCIAL (AL)

Violation of 15 U.S. Code ss.1681 ( a ) ( 4 ) - Consumer 's right to privacy. Notice that in certainty, I, the affiant, am a consumer and have the right to privacy under section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without obtaining my written consent or any valid legal authority, XXXX XXXX has breached my right to privacy. 


account was last reported on XX/XX/2021 with a balance amount of {$3400.00}
Consumer complaint received 2023-12-04
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. (NV)

I am writing to formally state that all recent inquiries made by these companies are not authorized and are unknown to me. Upon reviewing my records, I discovered several inquiries I did not initiate or approve. 

I want to bring this matter to your attention to ensure it is documented accurately. I request an immediate review of my credit inquiries records to confirm the unauthorized nature of these inquiries. Please take the necessary steps to rectify this situation and cease any further unauthorized inquiries on my behalf. 

If there are any additional steps required from my end to address this matter, please provide guidance. 

Thank you for your prompt attention to this concern. I appreciate your cooperation in resolving this issue. 








Hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (AZ)

XX/XX/year> " POTENTIAL SPAM '' call received. NO name provided. City : XXXX XXXX, CA. 
Caller number : XXXX. 

Called number and got a woman. She wanted to record call. Did not give permission. 
I asked what is the company name and to spell it because I did not understand the automated response when I returned the unanswered call. Reply to questions : IC System. XXXX XXXX, MN. 

I called the number that called me and got an entirely different state! SCAM, I think, especially after XXXX showed POTENTIAL SPAM. 

Upon researching the phone number online later, I found the business name is really XXXX XXXX. 

I have ALWAYS paid what I owe. I have never received a VALID call regarding PAST DUE accounts. 

I hung up after explaining the phone number was Potentially Spam and it appears to be to me as well. 

I BLOCKED THEIR NUMBER but I am sure they have many numbers to choose from. 

I NEVER WANT TO HEAR FROM THEM AGAIN.
Consumer complaint received 2024-02-23
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 (CA)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.