davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX TransUnion Disputes Information Center To whom it XXXX concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX, NJ XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX, NJ XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-15
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. (IL)

In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights XX/XX/year>. Under 15 USC 1681 section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 it also says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer and credit plan as late for any purpose.
Consumer complaint received 2024-11-19
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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent INQUIRIES in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these INQUIRIES. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Experian Information Solutions Inc. (CA)

I have an experian credit monitoring membership. I have the experian digital debit card on my XXXX wallet. I have successfully transferred funds into my Experian digital smart money account. I then requested the Experian debit card mailed to my address. I received a confirmation I would receive it in 5-7 business days. It has been over two ( 2 ) weeks and I have not received my physical debit card. I called Experians membership department, dispute department, XXXX XXXX XXXX  department and supervisors, and none of them can resolve this matter. I keep getting the run around and excuses. In addition, I have previously submitted a XXXX complaint regarding this matter and there is yet to be a resolution. I seek to hold experian accountable. Please mail my debit card to my address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2024-10-13
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. (PA)

Subject : Dispute of Inaccurate and Unverifiable Bankruptcy Information To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and unverifiable bankruptcy information that has been reported on my credit report. I have reviewed my credit report and identified the following bankruptcy entries which are both incorrect and unverifiable : XXXX XXXX Bankruptcy Reference Number : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference Number : XXXX Date Filed : XX/XX/XXXX The bankruptcy records provided by the court, which I have enclosed, confirm that these records should not be reported to credit agencies. Therefore, their presence on my credit report constitutes a violation of the Fair Credit Reporting Act. 

I demand that you immediately cease and desist from reporting this erroneous and deceptive information. Additionally, I require that these inaccurate entries be deleted from my credit report and all of your systems without further delay. 

Please be advised that if this matter is not resolved promptly, I will be forced to pursue legal action for the following violations : Permissible Purpose : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Credit Worthiness : {$1000.00} Damaged Mode of Living : {$1000.00} Infringement on Right to Privacy : {$1000.00} The cumulative potential damages total {$6000.00}. This action is not intended as a threat, but rather a necessary step to ensure compliance with credit reporting laws and the protection of my rights. 


Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-11-14
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. (TX)

XXXX  Loan # XXXX -I have disputed this account multiple times and it continues to be removed then 2 months later re-appear on my report then changes an amount or date. Nothing has been consistent and they continue to report and change dates that are not wrong. When I first sent a letter to dispute, I disclosed that I didn't even open an account in XXXX. XXXX  Loan # XXXX continues to find some small loop hole to be able to report and its deceitful and prolonging my ability to purchase a home. I know this should be removed because it has been previously, then when I check my credit 2 months later it re-appears without in notice to me and has a different number and amounts. I want this account removed immediately from my credit report. Especially since this account has not showed back up on XXXX from dispute.Dates of letters regarding this account : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it XXXX concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please ) : Correct Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be XXXX address listed on my report, which is again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect : XXXX XXXX XXXX XXXX. Correct Name : XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was stunned to discover incorrect accounts on my credit report tonight, and I can't figure out why. I always check my credit report regularly, but this time, there were unexpected discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. This situation has left me feeling really unsettled, so I'm requesting a thorough review of the documents I sent, so I can finally put this worry to rest.
Consumer complaint received 2021-01-12
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: Capital Accounts, LLC (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

This case will open again with a new complaint because the company hasn't answered my questions. 

1. To resolve my first complaint ( submitted on XXXX XXXX, 2024 ), I called the company. A representative ( a woman ) shouted at me with such brazen words : " I won't answer your questions. Instead, you should answer my questions only with a 'yes ' or 'no '. '' Such a manner demonstrated no respect for customers. She should understand that their customers have the same human dignity and honor as she has. Her ignorant, rude, and unprofessional attitude towards me is unacceptable. I charge this conduct. The company should not hide this issue and must answer my charges. 

2. The company shifted the central issue in the written response. It's about closing my account. Rather than answering, they talked about fees and interest rates. A response such as this shows they are insincere, unethical, unprofessional, incompetent, mindless, or utterly idiotic. In such a manner, they demonstrate disrespect not only for me but also for the Consumer Protection Bureau. This disrespectful behavior needs to be held accountable. This company should answer this matter -- why did you shift the issue? 

3. They stated in their written response to my second complaint ( submitted on XX/XX/year> ) that they were allowed to do whatever they wanted by law even with no reason. As I stated, they abuse the laws, and they have no reason to close my account. I requested to see the third party. I want to be clear about my point. It is the company, not me, who gets approval from a third party regarding their conduct as such, and shows it to me. 

4. It is usual practice that once an account is closed, the balance should remain at the same level as the closing date without adding interest and fees. However, the company deliberately abuses me by imposing more fees and interest. This balance won't be paid until this dispute settles. 

5. The company has demonstrated its rude manners to customers, its incompetence to focus on the issue, and its abuse of the law and customers. Now is the time for them to answer my complaint point by point ( as listed in XXXX points above ) with sincerity and honesty, with which both sides may reach an agreement. 

I have spent my time offering free education for this company on how to respect their customers, and how to answer their customers ' complaint point by point, etc. Which side is right, let the public determine it.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have contacted XXXX and TransUnion multiple times to request the removal of several inaccurate accounts and collections that are being reported on my credit report. These accounts either do not belong to me or contain incorrect information. Despite my efforts, the following accounts and collections remain on my credit report : 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  TransUnion : XXXX - XXXX on XX/XX/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 XXXXXX/XX/XXXX. {$840.00} Actions Taken : I initially contacted XXXX and TransUnion to dispute these accounts and collections, explaining that they are either not mine or contain errors.I followed up but have not received any resolution. Despite my repeated disputes, these inaccurate accounts and collections remain on my credit report, negatively impacting my credit score. 


Current Status : As of XX/XX/XXXX, these incorrect accounts and collections are still being reported on my credit report. I am seeking assistance in having these inaccuracies removed and my credit report corrected.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-10-13
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. (PA)

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.
Consumer complaint received 2024-10-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the inaccurate information being reported on my credit report. Specifically, the account under the following details : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX You are reporting this collection as an open account, which is not in compliance with the Fair Credit Reporting Act ( FCRA ). This classification is inaccurate, and I am requesting that this account be removed from my credit report immediately. 

Please confirm the deletion of this collection and send me a copy of my updated credit report showing that this item has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
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. (NJ)

I am writing to you to express my concern about the lack of responses to my queries. I have been waiting for a response for over XXXX  days and unfortunately I have not received any update.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I am a XX/XX/XXXX with a PayPal business account for the last 4 years. Due to COVID-19, a number ofXX/XX/XXXX business owners started requesting our website services but business was lost when we recommended PayPal because it was extremely difficult to receive their PayPal funds to theirXX/XX/XXXX bank account. 

In an effort to boost website sales, my business started offering a new service to other XX/XX/XXXXwhich allowed them to convert their PayPal funds toXX/XX/XXXXdollars. How this works is that they would request an amount and we would send them a PayPal invoice for said amount. Once paid, we would withdraw the funds to our XX/XX/XXXX account and send it to their XX/XX/XXXX bank account. 

After three months of running this successful service, PayPal asked for a review of our account due to the spike in revenue. We explained everything to them and withheld no information from them. We have attached the letter we sent to them. We also sent all bank statements as they requested. A day later, our account was permanently limited and our funds in the account were blocked from being withdrawn for the next 6 months. 

We were given no explanation apart from this message : " After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. 
If you have funds in your PayPal balance, well hold it for up to 180 days. After that period, well email you with information on how to access your funds. 
We regret any inconvenience this may cause. '' There is no way to contact them - we have tried contacting them via their website, social media and phone numbers. They will not respond. 

In our research, we have seen in the PayPal community where persons have stated that after the 180 days, PayPal has not released their funds and they still could not get in contact with PayPal. Some even stated along with screenshots that PayPal took payments from their account without their consent. 

I am requesting : 1 ) A review of PayPal 's terms which blocked us from the service we began to offer three months ago - and an explanation ( at the very least ) of why this went against their user agreements. 
2 ) Redress in the form of receiving our hard-earned funds that are now stuck in our account for the next 6 months 3 ) A lifting of the permanent limit on our accountso that we can use our account again. 

It is important to note that we have now also lost the capability to do business with our original website business because the entire account has been permanently limited.