davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XX/XX/2024 ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/ 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 generally, 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.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. ( The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, This ground for removal they also violated my rights under 15 US C 1681 section 602 A. ) States I have the right to privacy. 154.0 9 1501 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account # XXXX Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX XXXX XXXX from my credit report. A dispute was filed more than 30 days ago, requesting validation of the debt, specifically the assignment contract proving the debt was legally transferred or assigned. To date, there has been no response or valid proof of ownership provided by the creditor or debt collector. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to investigate the dispute and resolve it within 30 days. Furthermore, if the disputed information can not be verified within this period, the account must be deleted from the consumers credit report as required by law. 

I have attached a copy of my Consumer Financial Protection Bureau ( CFPB ) complaint, which also reflects that no valid response or verification has been provided within the legal timeframe. 

Given the lack of response and verification, I kindly request that you immediately remove this account from my consumer report in accordance with the FCRA. Please confirm in writing once this action has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX tached CFPB complaint for further documentation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I would like to request the removal of the late payments that have been inaccurately reported on my credit history or without proper validation, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Specifically, I am seeking the following : 1. **Correction or removal of the late payments : ** - I request the immediate removal of the late payments reported on the following accounts : - XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - Last Payment Date : XX/XX/XXXX - XXXX XXXX XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - These accounts reflect late payments that I believe to be inaccurate or improperly validated. According to **15 U.S.C . 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer and the creditor. Since the payment history and late payments are considered part of these transactions, they negatively impact my credit report and should not have been included without proper verification.

2. **Verification of Billing Procedures ( 15 U.S.C. 1666 ( b ) ) : ** - I am requesting that you provide me with, in writing, the reasonable procedures you have adopted, according to **15 U.S.C . 1666 ( b ) **, to ensure that each periodic statement was mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all information required by section 1637 ( b ) of Title 15.

3. **Written confirmation : ** - I ask that I be notified in writing once the late payments have been removed from my credit history, and that I be provided with an updated copy of my credit report.

4. **Prevention of future errors : ** - I request that measures be implemented to prevent future inaccuracies in my credit history. This includes verifying the accuracy of any information before it is sent to the credit bureaus.

5. **Response Period and Assumption of Non-Validation : ** - You have **30 days** from the date you receive this letter to provide me with the information I am requesting. If you do not provide this information in the allotted time given, it will be assumed that you can not verify the late payments on the dates specified above ( due to lacking reasonable procedures to ensure the accuracy of my account ). In this case, I would request that you **remove the late payments** from my account and consumer report with the following consumer reporting agencies : **XXXX, XXXX XXXX and TransUnion**, and update the accounts to positive.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MT)

After several months with Chime I had to finally come to the CFPB to get my refund back after my car was broken into and my bank account stolen. I tried for almost XXXX months and multiple attempts to reconcile with the company. Finally on XX/XX/XXXX the CFPB was given a response from chime. In that response Chime determined that an error had in fact occurred after this investigation and that a refund had been issued as well as an email informing me of all this. As of today XX/XX/XXXX I have yet to receive my funds back and the email sent to me on the XXXX was instead another denial. I have again opened a dispute with Chime and submitted screen shots of the response provided to the CFPB. They have again told me it could take up to 90 days to complete this investigation. Chime fully lied to the CFPB about refunding me my money.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I would like to request the removal of the late payments that have been inaccurately reported on my credit history or without proper validation, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Specifically, I am seeking the following : 1. **Correction or removal of the late payments : ** - I request the immediate removal of the late payments reported on the following accounts : - XXXX  - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - Last Payment Date : XX/XX/XXXX - XXXX XXXX XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - These accounts reflect late payments that I believe to be inaccurate or improperly validated. According to **15 U.S.C . 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer and the creditor. Since the payment history and late payments are considered part of these transactions, they negatively impact my credit report and should not have been included without proper verification.

2. **Verification of Billing Procedures ( 15 U.S.C. 1666 ( b ) ) : ** - I am requesting that you provide me with, in writing, the reasonable procedures you have adopted, according to **15 U.S.C . 1666 ( b ) **, to ensure that each periodic statement was mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all information required by section 1637 ( b ) of Title 15.

3. **Written confirmation : ** - I ask that I be notified in writing once the late payments have been removed from my credit history, and that I be provided with an updated copy of my credit report.

4. **Prevention of future errors : ** - I request that measures be implemented to prevent future inaccuracies in my credit history. This includes verifying the accuracy of any information before it is sent to the credit bureaus.

5. **Response Period and Assumption of Non-Validation : ** - You have **30 days** from the date you receive this letter to provide me with the information I am requesting. If you do not provide this information in the allotted time given, it will be assumed that you can not verify the late payments on the dates specified above ( due to lacking reasonable procedures to ensure the accuracy of my account ). In this case, I would request that you **remove the late payments** from my account and consumer report with the following consumer reporting agencies : **XXXX, XXXX XXXX and TransUnion**, and update the accounts to positive.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (TX)

I reviewed my credit report and found several inaccuracies. I sent a dispute letter to XXXX on XXXX. However, it has been over 35 days, and I have yet to receive a response. This delay is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15 USC 1681i ( a ) ( 1 ) ( A ), subject to subsections ( f ) and ( g ), when a consumer disputes the accuracy or completeness of any information in their credit file and notifies the credit reporting agency directly or through a reseller, the agency is required to conduct a reasonable investigation. The agency must determine whether the disputed information is inaccurate, update the status of the disputed information, or remove the item from the file. This must be done within 30 days of receiving the notice of dispute.
Consumer complaint received 2024-09-18
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 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 2023-04-05
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. (NC)

I was trying to buy a home and decided to review my Credit report and realized I have lots of damages on my credit report. 

According to 15 USC 1681 Law there should not be any damages on my report as this is a defamation of my character.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I would like to request the removal of the late payments that have been inaccurately reported on my credit history or without proper validation, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Specifically, I am seeking the following : 1. **Correction or removal of the late payments : ** - I request the immediate removal of the late payments reported on the following accounts : - **XXXX** - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - Last Payment Date : XX/XX/XXXX - XXXX XXXX XXXX - Account XXXX XXXX XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - These accounts reflect late payments that I believe to be inaccurate or improperly validated. According to **15 U.S.C . 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer and the creditor. Since the payment history and late payments are considered part of these transactions, they negatively impact my credit report and should not have been included without proper verification.

2. **Verification of Billing Procedures ( 15 U.S.C. 1666 ( b ) ) : ** - I am requesting that you provide me with, in writing, the reasonable procedures you have adopted, according to **15 U.S.C . 1666 ( b ) **, to ensure that each periodic statement was mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all information required by section 1637 ( b ) of Title 15.

3. **Written confirmation : ** - I ask that I be notified in writing once the late payments have been removed from my credit history, and that I be provided with an updated copy of my credit report.

4. **Prevention of future errors : ** - I request that measures be implemented to prevent future inaccuracies in my credit history. This includes verifying the accuracy of any information before it is sent to the credit bureaus.

5. **Response Period and Assumption of Non-Validation : ** - You have **30 days** from the date you receive this letter to provide me with the information I am requesting. If you do not provide this information in the allotted time given, it will be assumed that you can not verify the late payments on the dates specified above ( due to lacking reasonable procedures to ensure the accuracy of my account ). In this case, I would request that you **remove the late payments** from my account and consumer report with the following consumer reporting agencies : **XXXX XXXX XXXX and TransUnion**, and update the accounts to positive.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX is reporting inaccurate information to credit agencies. Payment late history does not match across the XXXX agencies. Im requesting that late reporting be removed from all three agencies on this account.
Consumer complaint received 2024-09-18
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)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information regarding my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AK)

XX/XX/XXXX i sent XXXX dollars to my girlfriends XXXX. She couldn't get the money out of her paypal account so she refunded it back to me the same dat XX/XX/2024. It's been over 30 days XXXX  says they can't help us And cash app also says the same thing. There is now XXXX dollars just missing and no one knows where it's at!!! XXXX can't trace the money cause it didn't go to a debit card.. my girlfriend had called paypal probably XXXX times with no help and cash app just says they can't locate the money I'll provide screen shots of everything I can.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$630.00}
Consumer complaint received 2024-09-18
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. (NJ)

In accordance with the Fair credit Reporting act. The listed accounts below have violated my federal protected concumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 602 A There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( I HAVE A RIGHT TO PRIVACY ) 15 U.S.C 1681 602 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) 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. Code 1681s2 ( 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 2024-09-18
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXXXXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted, company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
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 (HI)

Dear Sir/Madam, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, as I have not violated any PayPal policies. 

I would like to request that PayPal re-investigates my case and restore my account if possible. I rely on PayPal for my business and personal financial transactions, and this limitation has caused me significant inconvenience and financial hardship. 

I would like to stress that I have always complied with PayPal policies and regulations. Therefore, I am perplexed and deeply concerned about the limitation imposed on my account. I respectfully request that PayPal reviews my account thoroughly to see that I have not breached any of your policies. 

I understand that PayPal takes fraud and abuse seriously, and I fully support the company 's commitment to protecting its users. However, I assure you that my actions have been in good faith, and I have not engaged in any fraudulent or abusive behavior. 

I would appreciate your kind consideration of this matter, and I am grateful for any assistance you can provide in resolving this issue. Thank you for your time and attention to my appeal. 

Sincerely, [ XXXX XXXX XXXX XXXX