davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I am the authorized user on a Venmo nonprofit account under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX  XXXX, New York. On XX/XX/year>, four people donated {$50.00} ( {$48.00} after Venmo fees ) towards the nonprofit. On XX/XX/year>, I attempted to transfer the funds to the church 's bank account, but the system produce a " form submission error. '' I chatted with XXXX who stated : ( XXXX XXXX  ) ( XXXX ) XXXX XXXX : Hi XXXX, it looks like your attempt to add this bank account is being declined by our system. This generally happens because a security flag has been raised. 
( XXXX XXXX  ) ( XXXX ) XXXX XXXX : I'm very sorry about the inconvenience here, but at this time we are not able to override these declines. For security reasons, customer facing teams are not able to see the exact reason for the decline. 

I asked for a resolution, and there is none. I requested a supervisor call, and one was not provided. 

I next called Venmo and spoke with XXXX, XXXX, and finally XXXX. XXXX indicated that the reason for the security flag is that my name does not match the name on the nonprofit bank account. That is to be expected because I do not own the bank account, the nonprofit does. He suggested that I transfer the money to my personal account, which I decline to do. I asked for further options, and he had none. He told me to wait and try again in an hour. I attempted several times in the last 24 hours, without any luck. 

I asked him if he would follow-up with me, and he told me that they have a policy not to follow-up with users and I would need to call back and start over. 

I have a ticket # XXXX. 

My complaint is that Venmo is inappropriately holding money that was donated to a nonprofit without any resolution for how the nonprofit gets those funds. There is also no process for me to file a complaint or have this escalated. I am hoping you can help, because this not only affect the church, but the original donors. 

Thank you for your help.
Consumer complaint received 2024-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

I went to XXXX XXXX back in XX/XX/XXXX. While I was there they said my insurance was not working and that I had to call back when I got the bill and to get my insurance added. I got the bill in XXXX and I called to get my insurance added they said that I did not have insurance and that my insurance company had to send them a letter stating that I do have insurance. I was insured with XXXX. They sent the letter to myself and XXXX. I then got mail from XXXX saying that if I do not pay my bill I will be sent to debt XXXX. I emailed them and in XXXX XXXX that my insurance company sent them a letter stating that I had insurance. I told them I was happy to pay as soon as my insurance was added. They then responded back to me that it is now to late to add my insurance and I know have to pay the entire {$4000.00}. I asked to speak with who is making this descion becuase the people over the phone said it is a higher person but they refuse to talk to me. I know have been sent to debt collectors.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NM)

I am writing to formally dispute a charge of {$1100.00} that appeared on my Discover card statement on XX/XX/year>. Upon noticing this charge, I immediately contacted Discover 's fraud department to report it and file a claim. However, my concerns have not been adequately addressed, leading to my continued frustration and confusion regarding this matter. 
On that day, I received a text message ( see below ) prompting me to log into my XXXX account to pay {$0.00} for postage related to a delivery. Given my frequent online shopping, I believed the message to be legitimate. I entered my Discover card information and received a notification ( see below ) asking me to authorize a charge. Importantly, the Discover alert clearly shows " XXXX '' as the sender, which should indicate that I was misled and scammed, as I did not authorize any charges to XXXX. It did not specify the merchant as XXXX or indicate the charge amount of {$1100.00}. Had I known the true nature of this charge, I would not have authorized it. 
During my discussions with both the fraud and billing departments, I attempted to provide evidence supporting my claim, including screenshots of the messages I received. Unfortunately, I was informed that my authorization of the charge made me responsible, yet my evidence has not been reviewed because I just received another letter from Discover card, stating, " Based on our records, your dispute was previously investigated and resolved. They didn't even review the screen shots I sent them with a letter explaining the whole story!
Consumer complaint received 2024-10-06
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)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX  ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-06
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. (SC)

I have reach out several times to XXXX XXXX reporting inaccurate information on my credit profile. The time frame has been between the date of XXXX  until current. I have sent out a debt validation letter and no response. XXXX XXXX is reporting a balance of {$360.00}.
Consumer complaint received 2024-09-13
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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-06
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. (NJ)

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, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-06
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. (IL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following inquiries need to be removed from my credit report : XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, GA XXXX, Phone number not available ) Permissible Purpose : WRITTEN AUTHORIZATION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, OH XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX, Phone number not available ) Permissible Purpose : WRITTEN AUTHORIZATION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, OH XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Permissible Purpose : XXXX XXXX  Requested On : XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, UT XXXX, ( XXXX ) XXXX ) Permissible Purpose : XXXX XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to 15.U.S. CODE 1681 ( N ) & 15.U.S.CODE 1681 ( N ) The following Hard inquiries should not be furnished on my consumer report.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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. (VA)

This complaint has been ongoing for over XXXX  years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a Chapter XXXX XXXX. I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX  laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX. This account was included in my Chapter XXXX XXXX  and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and XXXX moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX XXXX  tradeline from all credit reporting agencies within XXXX  days from the date of this dispute.
Consumer complaint received 2024-10-06
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. (CT)

This the XXXX time Ive been complaining about unauthorized inquiries on my credit report. XXXXXXXX XXXX has XXXX inquiries that are showing no my credit report and due to there data breach has been causing me problems. According to 15 USC 1681 ( I ) I have a right to privacy. This should not take this long to get resolved. Its not mine and doesnt belong to me. Please remove them.
Consumer complaint received 2024-10-06
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. (TX)

It is frustrating to have discrepancies across my credit reports. TransUnion has mostly accurate information, except for the XXXX XXXX auto account. However, XXXX and XXXX did not remove this account, and it remains on your credit report, negatively impacting your XXXX XXXX. My Capital credit card balances are still being reported inaccurately. They are not at XXXX % utilization ; in most cases, they are not even XXXX % utilized. 

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 name : XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604A 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 reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of criems which antedates the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-06
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. (CA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX and TransUnion credit report. My latest credit report shows eleven credit inquiries that I did not authorize. Please remove these hard inquiries from my report they are hurting my ability to obtain credit.
Consumer complaint received 2022-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I declare under penalty of perjury ( under the laws of the united states.if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Furthermore I certify that I am permitted by federal and state to file this dispute. I also understand that knowing and willful misstatements or omissions of materi al facts constitutes a federal criminal violation punishable under 18 usc 1001. Additionally these misstatements are punishable as perjury under 18 usc 1621.These collections found within my credit report are not related to any transaction that Ive made XXXX I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the ftc.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I contacted XXXX the original debt on XX/XX/19 about Diversified collection being on my credit report about getting this removed. I have a copy of the conversation and XXXX agreed on XX/XX/19 to have this removed and said they will notify Diversified Consultant and the credit bureau to have this completely removed from my credit report in 15 days. I looked today and this is still showing on my report. I have called Diversified and told them the agreement that XXXX agreed to and Diversified told me I need to get with XXXX since they sent the debt back to Diversified since the account was paid.
Consumer complaint received 2024-10-06
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. (FL)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am a victim of multiple counts of identity theft by an individual I filed police reports and an XXXX report against. In XX/XX/XXXX, a business credit card was opened fraudulently in my name. The perpetrator racked up {$24000.00} of charges in my name and in XX/XX/XXXX, I discovered the account and reported it as identity fraud to XXXX. In XX/XX/XXXX, XXXX denied my claim and I filed another one. I provided additional documentation, such as two police report numbers that I filed against the individual for an ongoing investigation of identity theft. I also submitted an FTC Identity Theft Report and XXXX FBI report, and proof of address to show that the business card was mailed to an address that was not mine. XXXX denied my claim again and stated that I was responsible for the debt. 

Evidence that the card was not opened in my name includes charges on the statements that show the perpetrator 's name. Also, all the purchases were made in a state that I did not reside in. Furthermore, the address on the statement is that of the perpetrator ( and not my address ), further showing that the perpetrator had the business card mailed to his address. 

I would like all three credit bureaus to remove this account from all of the credit reporting agencies. This has negatively impacted my credit score by 100+ points and XXXX has yet to do anything about the claim/provide further information about the investigation despite two months of me consistently calling and following up.