davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma (GA)

I am writing to whom this might concern, This has been occurring since XX/XX/2023. 
I am utterly disgusted and quite furious at the way Credit Karma treat their customers. I am a XXXX XXXXt with a XXXX year old, and might I add we live ten hours away from home. My account has been locked four 6 days now, with no explanation as to why, just no humanity. Im not sure if Credit Karma is robotic or just lack plain empathy but I am here to tell you, those guys have screwed the wrong person. No doubt I am most certainly will not be a customer of Credit Karma once my account is unlocked but I have reported Credit Karma to legal aid and the better business bureau. I have also filed a police report. I have sat in the dark with my child for four days because I cant pay my bills, you guys have and are costing my livelihood because of an quote on quote, investigation. I have had to steal food and candles for my daughter just to survive, next will be an eviction notice, I cant even pay my wifi bill which my job is ran by the internet, and I cant pay it because Credit Karma have and are withholding my funds. Next, I will be fired. With nothing and not to mention it is over 100 degrees. This is illegal as XXXX, and no business is bigger than the law. This is down right filth of a company and theirs no telling how many other families are suffering or have suffered due to Credit Karma shenanigans business. This wont be end of this. Credit Karma can not do that.
Consumer complaint received 2023-08-14
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (KS)

XXXX XXXX XXXX is a privately held company with 20 employees. We receive multiple calls per day from " Exeter Finance '' with a recording to " hold for an operator '' etc. When we wait for an operator, they will ask to speak to a person not employed with my company. We have told them numerous times to stop calling, no one here by that name, etc., to no avail. This has been going on for 6 months or more. 

This week alone Exeter Finance called at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

It is a great waste of our company 's time and money to answer the bogus calls from " Exeter Finance ''. I consider the call tactics as harassments because the serve no purpose other than to waste our time.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (TX)

I submitted a dispute letter for the XXXX  XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. 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. Also, the XXXX  XXXX XXXX account number is not reporting the same for all XXXX credit bureaus. These violations have caused damages in my familys life. I would like for this account to be deleted. Here is my account information to us during the investigation into this matter. 

XXXX Account Name : XXXX  XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

Experian Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same.
Consumer complaint received 2023-08-14
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. (TN)

All negative and non beneficial marks on my credit report are illegal so all of the negatives on my report should be removed I shouldn't have to give examples you know all of the negatives because you are the company conveying my personal information without my consent according to USC 15 1681 B take them down in a timely manner or I will pursue legally
Consumer complaint received 2023-08-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

When I signed up for this line of credit my checking account was linked and payments were made automatically each month. At some the company experienced some technical problems and they could no longer link my checking which I was not made aware of. Once I checked my account I saw a minimum amount due and paid it in the app as a one time payment using the same account they were supposed to have connected. I verified that my bank has not refused any payments by grain. I tried to find a number to contact them but could only try by sending email correspondences and requested they call me. I had no way to re-established auto pay and no one to discuss any credit issues due to there own system failures. I tried for 2 months and I even paid the account in full became they simply can not fix there issues. They reporting my account delinquent In error and I have pleaded with them to make the corrections asap as this is affecting me adversely I have even paid them in full. According the the XXXX  they have a substantial amount of complaints regarding this very issue. I also noticed they deducted an annual fee of XXXX and a payment during the month that they claim they could no longer connect to my checking account which appears to be a glitch in there system. I was not aware that the fee would be deducted from my checking account instead of just charged to the like most fees and did not provide permission for this yet they are reporting my account delinquent when in fact they took out more funds that they were entitled to do so.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have no knowledge of this debt I have reached out to XXXX  the original owner of this account, XXXX XXXX and XXXX. I never received any information for what this was for I dont owe this company I paid my rent until I left and I dont have any past due bills at this place also there were no damages that were sent to me and I have videos and pictures of my move out and I was not given my deposit or given a breakdown of why which is illegal. This is a fraudulent debt that this company is picking up and they dont and still have not provided me what this is debt is for every time I call I get no answers for what this is for they just say they are waiting on the originator to send them the information. But I know its illegal to report a debt on someones credit without any knowledge of what the debt is for. I will be taking this company along with transimunion to court this is ridiculous and it has been over 45 days!
Consumer complaint received 2023-08-16
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 (OR)

To the PayPal Appeals Team, I hope this message finds you well. I am writing to formally appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation is a result of a misunderstanding or an error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for [ duration ], relying on your platform for secure transactions and seamless online payments. It came as a shock to me when I received notification of my account 's permanent limitation. I have always strived to adhere to PayPal 's terms of use, conducting transactions with transparency and integrity. 

I kindly request PayPal to conduct a thorough re-evaluation of my case. I am confident that upon review, you will find no evidence of any policy violations from my end. I have always valued the trust that PayPal places in its users, and I am committed to upholding that trust. 

I understand that PayPal 's primary concern is ensuring the safety and security of all transactions and accounts on its platform. I share this concern and assure you that my account activities have been and will continue to be in line with PayPal 's guidelines. 

I kindly ask for your prompt attention to this matter. My PayPal account has been an essential tool for both personal and professional financial transactions, and its limitation has caused me significant inconvenience and distress. I firmly believe that a mistake has occurred and that a fair investigation will lead to the reinstatement of my account. 

I appreciate your understanding and cooperation in this urgent matter. Thank you for your time and consideration. I look forward to a positive resolution and the restoration of my PayPal account. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-14
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: GOLDMAN SACHS BANK USA (MN)

Apple credit card illegally reported 4 late payments on my consumer credit report. while under a billing dispute error XXXX 15 U.S. Code 1666b - Timing of 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. 
Apple credit card never mailed any of these statements previously apple stated their policy is electronic statements- unfortunately in regards to the fair care reporting act federal law requires creditors to mail the statement - apple 's credit card policy is just their policy and not federal law under consumer reporting -If an open-end consumer credit plan provides a period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed concerning such portion of the credit extended for the billing cycle of which such period is a part unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made to avoid the imposition of that finance charge Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX  ) transmittal of funds to a creditor in excess of the total balance due on an account, XXXX XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX  ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items 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 items 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. 

XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I noticed some unauthorized inquiries on my Transunion credit report. Per TransUnion 's rules, a FTC identity theft report has to be filed in order to get them removed. I completed the report and mailed it into TransUnion. I called them to follow up on the removal of the inquiries and was told that my account was being handled by a supervisor and was immediately transferred to one. The first thing I asked was why is my account being handled by a supervisor. I was told that it's because there was a fraudulent report received. I said ok if the report was received why haven't the inquiries been removed? She stated that because the freeze was lifted online when the inquiries were made. I said well isn't that the point of filing a FTC identity theft report?? Isn't that the way most identities are stolen, online?? Someone hack 's your information and uses it for fraudulent purposes! Who are you to tell me that my information wasn't stolen?? I want every inquiry dated XX/XX/2023 and after removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-13
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: BTH Management (MI)

On XXXX I disputed XXXX XXXX XXXX and Plaza Services on my XXXX  Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.
Consumer complaint received 2020-06-13
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: CCS Financial Services, Inc. (MI)

On XXXX I disputed Credit Collection Services and XXXX XXXX on my XXXX  Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.
Consumer complaint received 2023-08-14
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)

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, 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 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Consumer complaint received 2023-08-13
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: LEXISNEXIS (MI)

The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents.

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 1681 c. ( a ) ( 5 ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate