davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear CFPB, I am writing to file a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the XXXXhree major credit reporting agencies, XXXX, XXXX, and TransUnion. The specific violations of the FCRA include : Right to Privacy ( 15 USC 1681 Section 602 ) : The actions of XXXX, XXXX, and TransUnion have infringed upon my right to privacy as outlined in the FCRA. They have mishandled and disclosed my personal credit account information without proper authorization. 

Consumer Reporting Agency Obligation ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Pursuant to 15 USC 1681 Section 604 ( a ) ( 2 ), XXXX, XXXX, and TransUnion, as consumer reporting agencies, have furnished account information without obtaining my written instructions. This action is in direct violation of my rights under the FCRA. 

Definition of Consumer Report ( 15 USC 1681a ) : The credit reports provided by XXXX, XXXX, and TransUnion do not fall within the definition of a consumer report as outlined in 15 USC 1681a. The reports contain information solely regarding transactions or experiences between myself and the entities making the reports and should not be classified as consumer reports subject to reporting and disclosure. 

Treatment of Payments on Credit Card Accounts ( 15 USC 1666B ) : The credit reporting agencies, XXXX, XXXX, and TransUnion, have inaccurately treated payments on my credit card accounts as late, which is prohibited under 15 USC 1666B. This treatment is in violation of the specific provisions outlined in the FCRA.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Southwest Credit Systems, L.P. (CA)

There is an account related to my SSN and my name. It was set up in XX/XX/XXXX and ordered some cable services. The user stopped paying for the cable since XX/XX/XXXX and never returned the cable. It charges me XXXX dollars now for the cable and delay fee. 

I leave the US country in XX/XX/XXXX and back in XX/XX/XXXX. I never ordered cable and have yet to learn what happened to that account.
Consumer complaint received 2023-06-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, XXXX
Consumer complaint received 2023-06-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Account Systems of Omaha, LLC (NE)

National Account Systems legally was supposed to mail the court date for hearing about debt but did not. What I received in mail was information about amounts owed but they did not include court date. When I didnt show to the court date ( because I didnt know of date ), judgement was entered against me. Prior to receiving the letter about amount owed, collection agency had nan coming to my house every Saturday banging on my door for several hours.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DC)

On XX/XX/XXXX I schedule a transfer from XXXX Goldman Sachs for XXXX XXXX to an external account to take place on XX/XX/XXXX. 

When I scheduled the transfer, a message popped up and asked me why I am transferring that amount of money. I answer a question, but I just thought it was a customer survey. 

On XX/XX/XXXX I received a call asking to call back the bank XXXX. 

I called back, and they told me that they wanted to be sure that it was me that Initiated the transfer. 

The strange part is that the transfer was done to my own XXXX account, so the activity was not suspicious or fraudulent. 

Then I asked them to explain the reason for suspending the transfer and they gave XXXX contradicting answers. 

1. They have concerns that the transaction was fraudulent ( however they later acknowledge that I was transferring the money to the originating account ). 

2. They generally want to keep the money for XXXX days in the savings account ( which is stranger, as I needed the money for paying the school of my children and it was not a certificate of deposit ) 3. Finally, the most disturbing thing, that according to the savings agreement they reserve the right to block withdrawals from my account. I read the agreement and that statement was right. But it was not clearly disclosed to the customer. Moreover, the bank does not discloses the amount to be block from being withdrawal. 

I just want to file a complaint against XXXX Goldman Sachs for preventing the customer to access their funds on timely manner. Blocking transfers to originating accounts are just an excuse to retain funds at the bank. This is not the standard practice of banks. I transferred money in the past between my accounts and this is the first time that my transaction is blocked by a bank based on security reasons ( I am not sure how suspicious is a transfer of money between my own accounts ). 

This is reducing the quality of the service ( timely availability of funds ) which is standard to any savings account. 

Also I want to complain on the time duration for transfers to my XXXX account. The XXXX transfer takes up to XXXX days. But the money is frozen for XXXX  days. The bank is holding the money at the expense of the customer. They should make the money available after the XXXX transfer is completed and not holding the money in excess of that time. They currently hold the money for an extra XXXX days.
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I have been using PayPal for multiple years to transfer payouts from my XXXX sales into my bank account. I also use PayPal to invoice people for sneaker deals. I sell a variety of items on XXXX, from sneakers to video game consoles. Paypal has collected thousands of dollars in fees from my sales over the years, and I have been a very dedicated customer. Recently, PayPal stole {$3600.00} of my earnings without explanation. I would greatly appreciate your review of my account and prompt resolution. 

A timeline proceeds : 1. On Saturday, XX/XX/2020, Paypal notified me of an account access limitation. It stated I could no longer do business with PayPal but didn't provide a reason why. 
2. PayPal communicated they were holding my balance of {$3600.00} for 180 days. After 180 days ( which was XX/XX/2020 XXXX, Paypal would email me with directions on how to access the funds and deposit them into my bank account. 
3. I still have not received any emails or guidance on how to access my balance.

4. However, my account, as of XX/XX/XXXX, was updated to show a {$0.00} balance with a new transaction showing the money being transferred to Paypal. I didn't make this transfer.

5. My account balance of {$3600.00} seems to have been stolen by PayPal, and the memo attached below states that my balance was removed because of a " Violation of the PayPal XXXX. '' 6. I don't know what this means and I received no information on which part of the XXXX  I violated, nor how to access my money. I was also not informed that my money was taken by any form of communication. The robbery was silent. 

COVID-19 is taking a large toll on small business owners like myself, and PayPal stealing a significant portion of my revenue is not helpful. Please help me resolve this situation and return my money ASAP.
Consumer complaint received 2023-06-11
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. (FL)

I FILE A DISPUTE WITH XXXX ON XXXX XXXX REGARDING SOME HARD INQUIRIES ON MY CREDIT REPORT LESS THAN 5 DAYS I RECEIVED A LETTER STATING THAT ARE FACTUAL. THESE HARD INQUIRIES WERE NOT AUTHORIZED BY ME, AND SUCH THEY SHOULD NOT HAVE BEEN CONDUCTED WITHOUT MY CONSENT. UNAUTHORIZED INQUIRIES MY ABILITY TO SECURE CREDIT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FACTA ), AND THE UNITING AND STRENGTHENING AMERICA BY PROVIDING APPROPRIATE TOOLS REQUIRED TO INTERCEPT AND OBSTRUCT TERRORISM ( USA PATRIOT ACT ), I HAVE THE RIGHT TO DISPUTE INACCURATE OR UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.

UNDER UDAAPs Dodd-Frank Act ALL COVERED PERSONS OF SERVICE PROVIDERS ARE LEGALL TO REQUIRED TO REFRAIN FORM COMMITTING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES ( COLLECTIVELY UDAAPS ) IN VIOLATION OF THE ACT.
Consumer complaint received 2023-07-29
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: Experian Information Solutions Inc. (TX)

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

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

On XX/XX/23 I sent a conditional acceptance to DISCOVER asking for proof and verification of the alleged credit card debt. In this document DISCOVER tacitly agreed that any negative credit remarks would be removed from credit bureaus. 
DISCOVER failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debt, and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23. 

Furthermore, a notice of default with opportunity to cure was sent on XX/XX/23 and delivered XX/XX/23, giving DISCOVER one last chance of three days to prove any debt or valid contract, which they never responded to, tacitly agreeing that the account is paid in full or otherwise settled.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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 the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. State l 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 agencies can make any consumer reports 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 Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (OK)

I recieved a credit alert that a new collection account was added to my consumer report. This is a fradulant account that needs to be removed immediatly. I have never consented to any reporting plus i have never recieved notice of a debt prior to reporting. I dont know the compa y reporting or the " original creditor ''. I would like a XXXX XXXX. I need more information about how this company aquired this fraudulent account, how much they paid for the debt, and the full accounting in accordance to GAAP. This company is also infrinding on my copyright. This will serve as notice given. Continued use of my property will be consided knowingly and willfully. I will not tolerate this.
Consumer complaint received 2023-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In a previous complaint filed with CFPB # XXXX PHH Mortgage responded they have no recollection of receiving a payment of {$4200.00} from the Bankruptcy Court! I have provided documentation from the court as well as PHH own document showing they received the payment.

This response is not a final response to PHH regarding our previous complaint. Further review of their provided documentation is necessitated as we believe payments made from the suspense account where not correctly documented by them. 
We will also be reaching out to our CPA/Forensic Accountant within this time period to further assess the accuracy of their accounting methods!
Consumer complaint received 2023-06-11
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. (CA)

I am victim of identity theft these accounts are reporting on my credit report they do not belong to me I summit supporting documents that included police report and id social card and proof of address the accounts are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AK)

.===================== The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-06-11
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. (CA)

I am victim of identity theft these accounts are reporting on my credit report they do not belong to me I summit supporting documents that included police report and id social card and proof of address the accounts are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have sent numerous letters to XXXX, XXXX  and Equifax disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ME)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through intermediaries named XXXX Venmo in the total amount of XXXX USD utilizing your services.
Consumer complaint received 2021-06-21
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: EOS Holdings, Inc. (SC)

The there was a dispute that came back unfounded. This mark on my credit report is well over 7 years old. The reporting is starting with a date of when the account was purchased by a collection agency which isnt legal. Its the EOS report on my cretic report which started from a XXXX account that was never mine well over 7 years ago. Thank you!