davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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)

My name is XXXX XXXX. I opened a PayPal account with the PayPal financial company. However, PayPal permanently blocked my account, and my funds were trapped inside. PayPal 's policy is to allow the withdrawal of my funds after 180 days. It's been over 250 days, and PayPal keeps denying my right to withdraw my funds. 

All efforts with customer service proofs have been abortive. My PayPal email is [ XXXX ], and the amount held is {$660.00}. Paypal should allow me to withdraw to my credit card which is already linked to the account. They need to stop the fraud on my account.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. ()

I have a credit score of XXXX. 

I applied for an Amazon credit card. 
Chase ran me through the ringer over the course of a month. 
Made " me '' provide credit reports from the 3 agencies. 
XXXX sent report and I provided to Chase. 
XXXX said they could not find me in the system. 

Chase went to underwriting and ultimately denied me. 
I have many credit cards and all have been in pristine status for YEARS!! 
I can not understand why Chase/Amazon has denied me a credit card. 

I FEEL DISCRIMINATED AGAINST! 
And Chase will not document why I was denied. 

Chase bank location : XXXX XXXX XXXX XXXX, Washington XXXX Chase Bank reference number regarding this debacle # XXXX.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Consumer Financial Protection Bureau Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EQUIFAX ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing.

The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX  - Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX, XXXX. 
- Date of Original Dispute : XX/XX/2024 I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau.

This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations.

Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side.

Thank you for your attention to this matter.
Consumer complaint received 2024-09-23
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (MO)

I would like to follow up with the ongoing issues related to my credit report, specifically the late open account and the late closed account. Despite my numerous attempts to address these inaccuracies, this letter marks my many effort to resolve the matter. have submitted XXXX prior requests to correct these errors. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inaccuracies remain unresolved, which continues to negatively impact my credit score and financial standing. Please help me correct the status of the late open account to reflect timely payments and remove the late payment record from the closed accounts. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me correct or remove these accounts i, mmediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now.
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: EQUIFAX, INC. (MA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-09-23
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 federal credit report act. The list of the accounts below Has validated my Federally protected Consumer rights to Privacy and confidentiality under 15 usc1681. 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. 15 U.S.C 1681 section 602A States that I have the right to privacy. 15 U.S.C 1681 section 604A secton 2 It also states that a consumer reporting agency can not Furnish an 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 the 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 responsible Cause to believe the information is in accurate
Consumer complaint received 2024-09-23
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
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: EQUIFAX, INC. (MS)

This account was reported paid on time on the following date ( XXXX XXXX ) Then was reported XXXX day 's late on ( XXXX XXXX ). This inaccurate information falsely manipulates the statute of limitations. Equifax failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2024-09-23
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. (NY)

I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Looking at my consumer report on XX/XX/XXXX I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late. 
XXXX XXXX
Consumer complaint received 2024-09-23
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. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion po box XXXX XXXX XXXX PA XXXX Subject : Metro 2 Compliance and FCRA Violations Dear Credit Reporting Agencies , I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ).

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the Metro 2 compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and Metro 2 guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly.

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (MO)

I am writing to formally lodge a follow up complaint regarding the unresolved inaccuracies on my credit report despite multiple attempts to correct them. This is my multiple attempt to dispute the incorrect late open account and the late closed accounts that continue to appear on my report. On numerous occasions, I have provided all necessary documentation and followed all required procedures to have these inaccuracies corrected. Despite my persistent efforts, the errors remain uncorrected. This has caused significant damage to my credit score and has affected my ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected immediately. Please acknowledge receipt of this complaint and provide a detailed update on the actions being taken to resolve these disputes. I expect a resolution within the statutory 30-day period as mandated by the FCRA. Kindly help me correct the late open account and remove the late closed accounts as soon as possible : 1XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now
Consumer complaint received 2024-09-23
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. (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 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX BALANCED {$130.00} XXXXXXXX XXXX XXXX  BALANCED {$1000.00} XXXX XXXX XXXX BALANCED {$480.00} XXXX XXXX BALANCED {$740.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I received an alert from credit wise that my credit score went down approximately 60 points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, XXXX had reported this month that I had double the student loan accounts than I do to Transunion ( I have 7 XXXX student loans, they are reporting I have XXXX and double the student debt. ) XXXX reported to XXXX that all 7 of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to XXXX, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.
Consumer complaint received 2024-09-23
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-23
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. (CA)

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7500.00}