davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (NY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

US DEPT ED XXXX BalanceOwed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2024-10-03
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-18
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. (OH)

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 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX XXXXI account : XXXX ( XXXX XXXX XXXX XXXX ) ( PLEASE UPDATE/REPORT THE CORRECT BALANCE! ) Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern ( TRANSUNION ) : PLEASE UPDATE MY CREDIT CARD REPORT DATE FOR THIS MONTH OF XXXX. THE OLD BALANCE OF XXXX IS STILL BEING REPORTED FOR MONTH OF XXXX. TODAY AS I'M WRITING THIS LETTER ITS IS XX/XX/XXXX. PLEASE UPDATE & CORRECT THE BALANCE to {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT BALANCE & DATE! The Current banlance being reported as of XX/XX/XXXX is not correct balance. That balance is not {$270.00}. In accordance with the Fair Credit Reporting act Convergent. This is a very serious matter of going against the fcra. According to the law you have to update and report the correct balance for month of XXXX to {$49.00}. ( XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ACCOUNT ) to current. As I am writing this today, today 's date is XX/XX/XXXX. XXXX XXXX XXXX XXXX account : XXXX has reported a balance of {$49.00}. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Transunion have failed to update my CORRECT BALANCE. I have spoke with XXXX XXXX XXXX XXXX  and they said they have been reporting since XXXX all the way to the month of XXXX WITH A BALANCE OF {$49.00}, but when I check my credit report, its the wrong balance. The other credit bureaus are reporting the correct balance, so please do your job correctly and report the correct balance closing date balance. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX  account : XXXX I will sue you in court for Defamation of character. I HAVE DOCUMENT FROM XXXX XXXX XXXX XXXX  ATTACHED THAT CLEARY SAYS THE CLOSING STATEMENT BALANCE AMOUNT OF {$49.00}. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO THE CURRENT BALANCE OF {$49.00}. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-26
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.

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 2023-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

According to 15 U.S.C 1681b- Permissible purposes of consumer reports. There are information that is illegally reported on my credit report. I did not give written consent to report any of these accounts. Furthermore 15 U.S.C. 1681c-1 states that this is identity theft without my written consent.
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (SC)

The account listed by the collection agencies do not list what it is for. I have attached from there website if this is not handled properly and a timely manner, it must be deleted from all credit bureaus immediately. They have had the account since XX/XX/22 and nothing is showing up and Ive not been given the correct information in 10 months, For this reason it must be deleted immediately.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

On XX/XX/XXXX I checked my credit report and noticed a collection account by Credit Collections Services ( CCS ) from the original creditor XXXX. Upon further examination of the account I noticed the age of the account that was reporting on XXXX, it caused some concern as the 7 year from the delinquency date had passed more than 2 ( two ) years ago. When I called Credit Collections Services ( CCS ), the collection agency that posted this collection to my XXXX credit report had NO KNOWLEDGE OF THIS COLLECTION ACCOUNT AS HEARD ON THE RECORDED AUDIO. THEN WHY IS IT LISTED ON MY CREDIT REPORT? THE REPRESENTATIVE DID NOT HAVE A SUFFICIENT ANSWER. According to the FTC ( Federal Trade Commission ) 15 U.S. Code 1681c " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. '' Please noted that I've NEVER had a bankruptcy, thus this account should have been deleted off my credit report on XX/XX/XXXX. As of this year ( XXXX ) this account is STILL LISTED ON MY CREDIT REPORT. This is a violation of the Federal Trade Commission law. 

Credit Collections Services ( CCS ) is also in violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, which is " consumer protection amendment, establishing legal protection from ABUSIVE DEBT COLLECTION PRACTICES, to the Consumer Credit Protection Act, as Title VIII of that Act. ''
Consumer complaint received 2023-05-07
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: EQUIFAX, 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 2023-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

I opened a chase account and did direct deposit XX/XX/XXXX my deposit hit and tried to log in but it said due to suspicious activity we closed your account HOW IS THAT SUSPICIOUS WHEN ITS FROM MY JOB? I have been calling all week to get my money and the reason why the closed my account no answer. Monday I went in a branch and they couldnt tell me sooo I talked to a representative over the phone XX/XX/XXXX and told me my funds will be mailed a check and will get it Thursday said ok hung up. Friday I get a call saying that I could go pick up my funds from a branch WHAT BANK JUST SIT THERE AND LIE ABOUT YOUR FUNDS CAN BANKS JUST DO THAT NOW TO PEOPLE I HAVE BILLS TO PAY WHICH IS SETTING ME BACK I WENT TO THE BRANCH AND THE BRANCH TOLD ME NO LIKE THIS IS RIDICULOUS IM HAVING A HARD TIME OF GETTING MY MONEY NOW I HAVE TO WAIT XXXX business days
Consumer complaint received 2023-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

This will be the 3rd report I have filed with you guys because after much investigation and correspondence with Wells Fargo this should be a continuation complaint about this institution.. I have sent them a most resent article from CFPB as well as referring to a major case of XXXX XXXX XXXX. I myself see a reflection in a mirror of me when I read through the claims in this very heated and horrible case!! I was a XXXX  Mom at the time they really Spun me out of control. Having to go to local XXXX XXXX XXXX XXXXXXXX places just so Me and my XXXX could survive paycheck to paycheck!!!! XXXX did not care!! Of course I have NO access to those bank statements. This has been dragging on, and on and on. The more i think about things the 33 years ive been with them the more i realize they have done me wrong. At XXXX they received my 1st paycheck when they were XXXX XXXX, then they changed to XXXX, now they are Wells Fargo. I sure wish you guys could do more than just scold them!!! I have said hey, let 's average out the XXXX  years instead of Civil Court, but they would rather make this 100 % XXXX  XXXX XXXX XXXX struggle with finding an attorney and go thru all that. So what say you?!!!!!
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This morning I called XXXX  XXXX XXXX  ( XXXX XXXX XXXX ) because I paid for the protection insurance on my cards. The account was closed in XXXX. The insurance expired some time in XXXX. The account should have never been reported to the credit reporting agencies. They should have just went through the insurance. Today I spoke with XXXX ( supervisor ) and she pulled up the insurance document but said, they could not provide it to me because the account was in collections. I explained, to her I had a contract with you all, the collection agency does not have this information. I said, you all sold my account to a collection agency with inaccurate information. These two accounts should have been paid for through the insurance. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had to undergo XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now that I am better I realize the creditors are bogus. 
I also had a XXXX credit card and my balance was XXXX I paid XXXX and a few days later I realized I could not use the card. I called, a few months and they said, it was probably late fees. How can I have late fees I just paid, {$1000.00} and you all closed my account because my credit score dropped. I never missed a payment. I wrote an email because I felt like it was discrimination. I never got any further. They were very snotty and told me to call the collection agency. I also had insurance on this card but I never missed a payment, even though I wasnt working I stayed in good grace. On my credit report it still says I owe a little over {$2500.00}. where did the {$1000.00} go. They really treated me bad during the pandemic. Its really sad that they are taking your money and then canceling your card. I was so shocked at their behavior. Why is this okay for creditors to report to the credit reporting agencies and then sell the account to a collection company
Consumer complaint received 2023-07-26
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. (TN)

The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (NV)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureas are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2023-08-05
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 (CA)

PayPal has been refusing to let me withdraw my funds from my PayPal account. I have a balance of nearly {$2500.00} in my PayPal account and I have been trying to withdraw my funds using the two options they provide : ( 1 ) transfer of the funds to my bank account that is verified on PayPal or ( 2 ) requesting that they send me a check. I have been trying to take this action for almost a week now, but all of my attempts have been blocked. I have contacted their customer service several times and each time they give me a different excuse, then they tell me they will resolve it, but it has not been resolved. I just want to withdraw MY money from PayPal and then very likely close my account with them, but they are not letting me withdraw my money.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (AR)

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  Bank 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 2023-03-31
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. (MO)

I am submitting this CFPB Complaint to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part. I am reffering to the following accounts that have been reporting erroneoud information on my Credit File : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX  Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX