davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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 acquired my credit report an extra credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) After doing their investigation XXXX XXXX and Trans Union failed to send me the method the verification of these accounts from the original creditor I waited 30 days and received my investigation and noticed everything was still the same consumer reporting agencies which is XXXX XXXX and Trans Union did not modify or remove anything, The date open is not correct, they less activity is not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying my family a house and getting funding for my business
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my Experian account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both XXXX and XXXX showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my experian.com page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : Experian- XXXX, XXXX- XXXX and XXXX- XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (MN)

U.S. Bank continues to violate the 2022 Enforcement Action of the CFPB. Today I received an email from U.S. Bank stating, " Your XXXX checking e-statement is ready. Your statement for the account ending in XXXX is now available. To view your e- statement, log in to your account. '' To my knowledge, I have never had a checking account with them. This seems to fit your Enforcement Action in which U.S. Bank opened an unwanted account using my personally identifiable information they had back from when they were the processer for an XXXX Master Card I had. I logged in to today 's email using the old login information for the credit card. This pulled me up in their system. I called U.S. Bank today and was transferred to their XXXX Department with which I was on the phone for some time. They could offer no explanation and did not deny it seems to violate the Enforcement Action for a practice you have also caught XXXX and XXXX XXXX. There seems to be no honor among thieves. The Security Department recommended I visit a local branch office ; the same place the bank was found to be incentivizing employees to open sham accounts...
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX / XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$30.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$30.00}
Consumer complaint received 2023-05-10
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 (NY)

Dear PayPal Customer Service, I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My PayPal account email address is XXXX Firstly, I strongly believe that this limitation was placed in error, as I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions, and I have never engaged in any fraudulent or illegal activities. Therefore, I respectfully request that PayPal re-examine my case and consider restoring my account. 

Secondly, I would like to emphasize that I have always complied with PayPal 's policies and guidelines. I have never engaged in any activities that would warrant a permanent limitation on my account. I have always provided accurate information and have always conducted my transactions in good faith. As such, I am deeply troubled by the limitation placed on my account and would like to ask PayPal to review my account history to confirm that I have always been a responsible PayPal user. 

Lastly, I would like to request that PayPal re-investigate my case and consider restoring my account if possible. I value the services that PayPal provides, and I would like to continue using them in the future. Therefore, I would greatly appreciate it if PayPal would reconsider my case and restore my account. 

Thank you for taking the time to review my appeal. I look forward to hearing back from PayPal soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-14
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. (CA)

I acquired my credit report an extra credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) After doing their investigation equifax XXXX and XXXX XXXX failed to send me the method the verification of these accounts from the original creditor I waited 30 days and received my investigation and noticed everything was still the same consumer reporting agencies which is Equifax XXXX and XXXX XXXX did not modify or remove anything, The date open is not correct, they less activity is not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying my family a house and getting funding for my business
Consumer complaint received 2023-07-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Metro Collection Service Inc. (CO)

I emailed and delivered a written statement to an employee of Metro Collection Service also provided a hand written receipt by an employee of XXXX at XXXX which verified my rent account was paid in full on XXXX/XXXX/2016 also my final payment before vacating the premises on XXXX/XXXX/16. Metro Collections employee called and spoke to me about this debt. I have a certified fund bank receipt in the amount of {$960.00} dated XXXX/XXXX/16 and a hand written receipt from XXXX XXXX XXXX dated XXXX/XXXX/16 with Account Balance {$960.00}, Payment {$960.00} and Balance Due XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC (IL)

I have contacted XXXX to get their input on a balance due to XXXX XXXX for XXXX XXXX. The pre-qual indicated that the procedure was completely approved except for {$32.00}. The day of XXXX I paid the {$32.00} by credit card since they do not accept checks ( even though their website says they do ). This was in XX/XX/2021. In XXXX in 2021 suddenly I still have a balance due of {$2800.00}. 

As I am working to resolve this I find that this debt has since been sent to 2 different collection agencies- see attached documents. It has been submitted to Choice Recovery , Inc. and to Wakefield & Associates. As you can see it's the same debt reported twice ( not a matter of one company buying the debt from another ) - it's clearly open with 2 different agencies at the same time. It appears double posted on my credit reports as well. I believe this to be a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2023-05-10
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. (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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-10
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)

Dear PayPal, I am writing to submit a formal complaint regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX I believe that this limitation has been placed in error, as I have not violated any of PayPal 's policies. 

I respectfully request that you re-investigate my case and restore my account if possible. I understand that PayPal has strict policies in place to protect the security of its users and prevent fraudulent activity, but I can assure you that I have not engaged in any such activity. 

I have been a loyal PayPal user for several years, and I rely on the platform for both personal and business transactions. The loss of my account has caused significant inconvenience and financial hardship, and I would greatly appreciate the opportunity to have my account reinstated. 

I understand that this process may take time and that PayPal has a thorough investigation process to ensure the safety and security of all its users. However, I would like to request that you expedite this process as much as possible, as the limitation has already caused significant disruption to my daily life and financial activities. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$170000.00} XXXX  XXXX XXXX Balance : {$490.00}
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I places an order ( # XXXX ) with XXXX XXXX  on XX/XX/XXXX and original delivery was pushed back 6 months. I paid {$4500.00} and expected it to arrive by XX/XX/XXXX. This order was deliberately labeled as canceled ' on their website, without my action or acknowledgement. No refund or products were delivered. Basically, by end of XXXX, XXXX XXXX and their representative assigned to my account ( XXXX XXXX ) were sending email updates about building my sofas ( see attached ). XXXX was expected by XX/XX/XXXX. In XXXX, a letter from the XXXX arrived, apologizing for delays. By XXXX, I started emailing and calling XXXX but never getting hold of her ( see email auto replies ). She was able to reply to XXXX of my emails, letting me know that additional updates on XXXX were coming in XXXX. She never came back from the holidays. The last time a date was posted on my account was for XXXX, but that is no longer visible. They never issued a refund and I've tried refuting the charge, but 53rd Bank won't dispute the charge. they allege that a dispute can only occur within 90 days after the purchase date. XXXX XXXX was updating me with order status well past the dispute window by my bank. The 90 days period set by the bank to allow retraction of charges must be waived because that is basically fraud by the company. Thats how most of the affected clients got their money back ( according to an existing XXXX group page ). 

Additionally, affected clients were instructed to submit a claim with XXXX XXXX, an equity company in charge with the assessment of benefits. I submitted a claim and was told to wait for resolution by the end of XXXX of this year. I have called XXXX XXXX on both of their numbers, ( XXXX ) XXXX and ( XXXX ) XXXX, for a follow-up and was told that XXXX XXXX  concluded that they will not refund. 

XXXX XXXX is currently an active business sending me marketing emails and promos. I called their customer service ( XXXX ) and their representative ( XXXX XXXX ) let me know that only the name was sold to the current firm ( XXXX ), not the financial responsibilities. General XXXX XXXX XXXX ( XXXX ) and XXXX XXXX are now offering me 30 % off if I place a new order. I feel utterly offended. XXXX sorry but how is this not fraud? I understand my accounts should be protected from fraud
Consumer complaint received 2023-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (AL)

XXXX I applied for a loan using XXXX XXXX and XXXX XXXX links. I received and email beuling approved for {$4000.00}. Provided my banking information and Driver 's license. Was provided approval letter and asked to sign agreement. Was told they had to verify my banking information for deposit and payment. Then was given excuse they were having trouble and they would try again later. I never received the funds promised. XXXX XXXX is the loan associate direct line is XXXX. The loan officer was XXXX XXXX. I haven't heard from them on explanation. the loan application number is FL XXXX XXXX at 7 % APR..I never received the funds in my bank account as promised.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Dear Sir/Ma'am Please review 2 attachments below. The merchant " XXXX XXXX '' was supposed to charge me ONE time for {$210.00} but they charged me a SECOND time for {$980.00} ( which I was not aware of why ). I filed a dispute with US bank Debit card dispute department. Without doing any investigation or providing me evidence of " valid transaction '', your department sent me just one page letter saying " we determined that your transactions were valid ''. How? How do they know that the TWO transactionswere BOTH valid?
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (TX)

I requested a freeze on my profile with Lexis Nexis in XXXX and XXXX. Lexis responded with a stall letter XX/XX/2023 and again on XX/XX/2023 that they wee n't able to to authenticate me. I provided them with a copy of my passport, current utility bill and SSN card. This is a violation of my privacy and rights under consumer law. LexisNexis seems to belive the law doesn't apply to them and they can bully consumers.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my XXXX account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both Equifax and XXXX showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my XXXX page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : XXXX- XXXX, Equifax- XXXX and XXXX- XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my XXXX account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both XXXX and Transunion showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my XXXX page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : XXXX- XXXX, XXXX- XXXX and Transunion- XXXX
Consumer complaint received 2023-05-10
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)

I am writing to follow up on a letter that I sent to Transunion on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Incorrect information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Jobs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX numbers : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (MD)

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, 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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX, CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX