davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (IN)

I never applied nor received any products or services from this company yet they are on my credit report. I have called and spoke with them multiple times and was told someone would be reaching out to me. They have never called. It takes forever to get through to someone because I have no account information to navigate through the system. Once I do talk to someone and tell them they can not find where I have spoken to them before. I do this every month yet nothing. I did file with the Federal Trade Commission in 2020 due to my Identity being stolen and have had a couple things effect my credit situation. I don't know if this is because of that or not. Regardless along with this deragatory mark on my credit it is keeping me from getting a fair interest rate on a car and also not allowing me to use my one time Veteran Home Loan. I need them to delete this. If not I want to know whom to put on court paperwork in order to Compel them to show me the information they have in which why this account is in my name at all.
Consumer complaint received 2023-06-27
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-07-25
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. (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. 

Account Name : 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 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 shIn 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. 

Account Name : 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 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.all 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 2024-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX XXXX XXXX filed a lawsuit against me on behalf of TD Bank, NA for a Target credit card. They did not inform me that they had this debt in their hands and went straight to filing a lawsuit. On top of that, I found out about the lawsuit through other attorneys sending me advertisements mail asking me if I needed help for a lawsuit filed against me. I took this seriously because I received so many of them, and checked the XXXX XXXX system and saw that there was a lawsuit. I called Target directly and that is when they informed me of this and this was with XXXXXXXX XXXX XXXX XXXX The attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the ones responsible for this. I did not get the opportunity to validate the debt and had to confirm with TD Bank/Target directly after a lawsuit was filed. They also did not try to resolve this with me but instead used the legal system to intimidate me. In addition, to not notify me of what was happening in the hopes they could get an unjust default to win their case against me by me not knowing about the lawsuit. I researched and saw they have a history of just filing lawsuits against people.
Consumer complaint received 2023-08-11
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 (KY)

On XX/XX/XXXX, i received an email from Paypal that I could no longer use Paypal. I copied the email and pasted at bottom of this message. 

I probably use paypal 1-2x a month to buy a gift card on Paypals gift card website. Or maybe use it at an online retailer here and there. I receive small transfers from friends, family, and an occasional small rebate check here and there. There is nothing abnormal or suspicious about my account. And there is no reason at all for my account to be restricted. Paypal representative simply said there are no appeals and that he couldn't give me any information. Meanwhile, they are holding {$1000.00} for 180 days ( starting XX/XX/XXXX ). This is completely irrational and has to be a mistake on Paypals end. When i hear/read of things like this happening to people, I always assume there is a big missing piece of information that people are leaving out. That is not the case hear, and paypal is just simply shutting my account down, holding my money for 180 days for no reason and will not provide any reason. I understand digital apps are different than banksbut i honestly dont know how this legal/permitted Ref ID - XXXX You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 
Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 
Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. 
Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 
You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page.
Consumer complaint received 2024-09-27
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-27
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization that I, the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. This is effective IMMEDIATELY, and INDEFINITELY.

My consumer report does not report pure accuracy, lacks permissible purpose, shows non-mailable addresses, misspellings of my name, shows credit transaction history, and shows my personal private information. 
XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX and XXXX Dispute : According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT CFPB Writeup : 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. 
Account name : Capital One, Account name : XXXX XXXX Account name : XXXX CAPITAL ONE Account name : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 mandates 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.

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 

15 U.S.C 1602g We the people are the credit XXXX and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie I always contacted the to do IRS 3949 form to have them all audited due to this matter and filed a complaint with the United States Courts of federal claims.
Consumer complaint received 2024-09-27
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. (WI)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The accuracies are highly injurious to my credit score XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-27
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)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Porania, LLC (NJ)

XXXX -Hard inq : XXXX XXXX ( Bank ) XX/XX/year> They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD DISMSD/CLSD XXXX XXXX  XXXX No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (FL)

We have banked with NFCU for over 40 years. 
We have 2 credit cards with NFCU. 
I am trying to pay off the balance in full via their own website from an outside account. 
I am not allowed to pay off the balance in full on the website. 
NFCU says is because of ach rules and limits. 
They stated that I can pay it off in {$10000.00} increments over several days. 
When I attempt to set this up on their website, I am not allowed after XXXX attempts - because only {$30000.00} can be sent in 5 days. 
The conflict comes in that they benefit financially from keeping me from paying off my debt. 
If I want to pay it all off today, I will have to wire the funds to a NFCU savings or checking account, incurring a wire fee. 
So, the banks all make money and the consumer stays in debt.
Consumer complaint received 2024-07-24
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. (GA)

I put in disputes with XXXX, XXXX, and transunion, and it was a problem with my address! I reside at XXXXXXXX XXXX  XXXX ga XXXX, and XXXX Coral XXXX XXXX Ga XXXX! heres my license and social security card! I would like these companies to continue with all my disputes and take all the negative items of my report!
Consumer complaint received 2024-02-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

We have been trying to get SPS to show proof of claim of our property and all they sent us was a lot of Power of Attorney documents to which none of them show that SPS or XXXX XXXX XXXX XXXX had any authority to Service our Loan, let alone keep all our Payments.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 XXXX XXXX XXXX. 

Account Names XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian 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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.
Consumer complaint received 2024-09-27
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. (TX)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically XXXX XXXXwhich falls under XXXX as defined by the XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXAccording to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My bank was charged twice for the same amount of payment on XXXX separate occasions. Because I paid ahead of time due to overuse of the card, Venture card automatically charged me for the second payment on the date of auto payment. Spoke with the XXXX on Tuesday / XX/XX/, and told me I only had 30 days to report the discrepancy. I was late XXXX hours due to some circumstances and but tried to call them XXXX hours earlier but their office was closed on weekend. She blamed me for paying in advance and not notifying them. I was not aware that their auto system will not recognize my early payment as I only acted as good customer not to overuse my card and be responsible to cover the charge as soon as possible. My spouse assisted me in discussing with her the situation but she continuously been screaming and blaming me for the advance payment i made. She was very rude, condescending and unprofessional in her manner discussing the issue. Very loudly objecting to my grievance and continuously talking over me as I tried to explain my well-intended actions. For a senior citizen like me who struggling to make a living, the amount that they took away from me was part of my living resource and this company never intended to correct this matter and yet still blaming a responsible and honest customer like me. Venture Card notifies me when its time to pay to pay the card but did not notify me when when they double charge my bank.
Consumer complaint received 2022-12-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ProCollect, Inc. (AL)

Respectfully, A lady said her name was XXXX called today said she was calling from XXXXprocollec.com  providing phone number:XXXX asked about my police report and other information files from myself that has been the victim of Identity Theft earlier. She provided me with case : XXXX as well. Her email address is XXXX I need help because I emailed police report & IdetityTheft.gov and copy of my Alabama Driver License. Please help me out since I am a totally XXXX XXXX XXXX XXXX XXXX  using XXXX. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Alabama XXXX Phone : XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rapid Collection Systems, Inc. (AZ)

I received a notice of a debt, from a contractor for a project that was not completed. We advised the debt collector that we went to court through the Register of Contractors and the courts ruled that the contractor had not completed the repairs and contractor was fined and had their license suspended as a result of his action. In additional, the Register of Contractors has advised that we are owed a refund which we are in the process of collecting through the Register of Contractors. We notified the collection agency of this and sent them the documentation from the courts and the register of contractors. We waited over 30 days and had not heard anything from the debt collector. When we reached back out to them, we were told that this was a word verse word dispute and since the contractor is alleging that we owe the money, the debt collector will review to see about taking legal action against us.