davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Buying items off of the website " XXXX '' and one of the sellers with paypal ( which is the current situation I'm in ) didn't give me the product. On paypal, I paid " XXXX XXXX '' {$17.00} cents on XX/XX/2019, current day. Paid {$17.00} with my current balance on paypal, and the rest of the fees with my credit card. Contacted him, never responded and blocked me on all current areas where I could get a hold of him from.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A few years ago I cosigned for a car loan For my son and it went through XXXX. Recently, my son refinanced the car so that my name could be removed and he would get a lower interest rate. I got a notification saying that the account was closed which dinged my credit again and it shouldve stated in all credit bureaus account in good standing paid in full. The loan was paid in full and transferred to another bank.
Consumer complaint received 2019-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/2019 I signed up for XXXX XXXX with billing through PayPal. I received an invoice that said that {$17.00} would be billed monthly for the service. Since then, XXXX has overcharged me every month {$19.00} via PayPal 's billing platform. XXXX refused to help in this matter as did PayPal even though I reached out multiple times to both XXXX and PayPal 's customer support. Only after submitting a complaint through CFPB on XX/XX/2019 did PayPal take corrective action. 

Since then, on a monthly basis, XXXX continues to overbill me through PayPal monthly, PayPal processes the wrong amount for the transaction, and I can recover the difference only by filing a complaint through PayPal 's dispute center. As directed in XXXX XXXX  ( PayPal Executive Escalation ) response to my initial CFPB complaint, I reached out to their corporate team via email on XX/XX/XXXX, but received no response. 

On XX/XX/XXXX, XXXX again charged me {$19.00} via PayPal 's billing platform, and PayPal processed this transaction. I disputed this on XX/XX/XXXX, attaching the invoice from XXXX for {$17.00}. On XX/XX/XXXX, PayPal decided in favor of the seller. I appealed this on XX/XX/XXXX, and PayPal denied my appeal.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, equifax XXXX XXXX data furnishers are reporting inaccurate, irrelevant & outdated information on my credit report, all values arent correct. My balance from drivers financial is currently XXXX & there are NO LATE PAYMENTS but on my report these companies are furnishing inaccurate information such as late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & that my current balance across all credit bureaus are inaccurate which are ( XXXXXXXX XXXX ), ( XXXX XXXX ) ( Equifax XXXX ). As stated before my current balance is XXXX with no late payments on my report. The consumer law states any inaccurate information shall be removed & updated within 15-30 days.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft. There is a fraudulent XXXX XXXX account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is XXXX  - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX  XXXX - XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically Equifax. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft. There is a fraudulent XXXX XXXX account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is XXXX  - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX  XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically Equifax. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!
Consumer complaint received 2019-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

Hello how are you? Im having so many issues!!! 
Starting from getting my percentage rate wrong Changing 2 loan officers, having multiple numbers on my table wrong both times waiting for mouths to receive a response every time I called in not one seem to know anything From manager to customers services, lots confused! After all did get refinance number but not with right rate and I was so tired and mad I go head and sign it, I was told I didnt had to pay intel XXXX, I have spoken to many people from XXXX XXXX to ect ect On Friday I get an alert from my credit since Im very careful and fixed it! It drop 135 point and I was going to faded I look carefully and I see that you guys reported non payment for the mouth of XXXX! Im so mad, I wanted to talk with someone that gives me answers and correct this enormous error on your behalf, otherwise if to take action with my attorney! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
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. (AZ)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (FL)

My consumer report shows identity theft-linked accounts I never approved in writing or by wet signature. I recently told you about this and now demand these accounts be blocked and removed from my report now. These false entries are causing me major stress and misrepresent my credit. I'll take legal action if not fixed quickly. These fake items have stopped me from reaching key financial goals like buying a home and supporting my family.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX XXXX Account Number : XXXX 2. XXXX Account XXXX : XXXX 3. XXXX Account XXXX : XXXX 4. XXXX Account XXXX : XXXX 5. XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-15
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. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX AUTO Account Number : XXXXXXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX of Chase Bank stole our money and wont give it backfor real. 

I use XXXX XXXX XXXX management services. I wrote XXXX XXXX and XXXX XXXX a good check of {$16000.00}. They did an excellent roofing job on my office building at XXXX XXXX XXXX XXXX, XXXX, Ca. They are next installing security cameras. 

I paid XXXX XXXX and XXXX {$16000.00}. XXXX deposited the check in his Chase Bank Account. Chase bank cashed the check. then refused to release the funds to XXXX and XXXX and instructed XXXX and XXXX to take me with him and we all provide IDs, appear at XXXX Chase branch office and verify who we are. We did as Chase demanded and Chase refused to acknowledge that we were even present at their bank. We all had appropriate documentation and ids. 

Chase is stealing our money. They wont release the money to XXXX and XXXX and Chase wont return the money to me! In real effect they are stealing it they will not acknowledge they hold the money and they are now claiming we must go to my bank XXXX XXXX XXXX XXXX and demand the check be returned. 

XXXX and XXXX and I all went to XXXX XXXX XXXX XXXX attached is the check # XXXX of XX/XX/2023 processed fully by Chase and XXXX XXXX XXXX XXXX front and back showing that Chase cashed the {$16000.00} check which cleared XX/XX/2023. We want the money released to XXXX and XXXX. 

Chase is politically discriminating ( not racially discriminating ) but politically discriminating because they dislike our Christ-Centered politics. 

We disparately need XXXX on XXXX help. Chase is crushing us because they can. Please assist us in getting the check cleared to XXXX in some business like fashion. Please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX