davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (AZ)

I told all the of the " Big 3 '' nationwide consumer XXXX XXXX XXXX, XXXX, XXXX and Transunion to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), USDEPTOFEDU/XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( Transunion, XXXX and XXXX ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.
Consumer complaint received 2024-08-03
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: CITIBANK, N.A. (CO)

On XX/XX/XXXX charge for {$17.00} - credit card alerted me via text and I confirmed fraud On XX/XX/XXXX {$290.00} and {$29.00} same vendor ( XXXX XXXX ) alerted fraud, requested new card On XX/XX/XXXX {$290.00} and {$2900.00} XXXX XXXX ( XXXX XXXX  ) called was told auto payment from this fraudulent vendor now hitting my new card. Requested all auto payment stop On XX/XX/XXXX same vendor {$290.00} and {$2900.00} charged On XX/XX/XXXX same vendor {$290.00} called to request- again a stop to this nonsense, and requested new card was told the original stop to reoccurring payments on my card was not done correctly, and now it was ( this is now card # XXXX ) On XX/XX/XXXX same vendor {$44.00} on XX/XX/XXXX same vendor {$290.00} Called on XX/XX/XXXX clearly nothing helpful is coming out of the credit card fraud department and I now think this is a clear failure of their fiduciary duty to me for protection against this XXXX. Demanded to speak to a manager- only was provided first name of XXXX and she told me both previews time to stop reoccurring charges were done wrong, but she knows how to do and would fix. Also advised me of the {$44.00} and told me would reverse this charge. 

AT NO TIME during any of the 6 plus calls did anyone advise to dispute in writing. on XXXX received monthly statement with balance due. I have not made a charge on this credit card since XX/XX/XXXX. I can not contact customer service as I don't know what new account # this falls under as it keeps changing ( we are now under card # XXXX ) on XXXX also mailed letter to formally dispute all of these charges- under the 60 days the very small writing on the back of my statement provided. 

Any assistance to help force these people to take responsibly in permitting my card to be used over and over again, fraudulently, with their knowledge is going to be me with my many thanks.
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc. (KY)

I have previously communicated my objections regarding this account, yet GLA Collections has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue stress and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages.

Halt Collection Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties.

Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands.

Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws.

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.
Consumer complaint received 2024-06-28
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)

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 2024-08-03
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)

account ending in XXXX XXXXXXXX XXXX  was not deleted after the original creditor XXXXXXXX XXXX requested in 2020 this account be deleted from XXXX, XXXX, and Transunion.
Consumer complaint received 2024-06-28
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-27
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. (FL)

I was looking at my report and noticed that there were some things that is not correct. I sent a letter to Equifax on XX/XX/2024. Here is my tracking number. ( Compliant ID ) XXXX. It has been more than 30 days since the credit bureaus haven't responded. This is a violation of USC 1681i ( a ) ( 1 ) ( A ) Under USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item or information contained in a consumers file at a consumer 's reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, the agency shall, free of charge, conduct a reasonable reinvestigation to whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-04-25
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)

Dear XXXX XXXX, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake, and I have not violated any PayPal policy. 

I was shocked to learn that my account had been permanently limited without any prior warning or explanation. I have always been a loyal and responsible PayPal user and have never engaged in any activity that would violate PayPal 's policies or terms of use. 

I respectfully request that PayPal re-investigates my case and restores my account if possible. I believe that there must have been some misunderstanding or mistake, and I would appreciate the opportunity to present my case to a PayPal representative. 

I am willing to provide any information or documentation that PayPal may require to support my appeal. I have always valued my relationship with PayPal and would like to continue using their services. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-06-28
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-09-20
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. (OH)

I received a credit alert that on XX/XX/2024 XXXX apparently did a hard credit pull on my name/SS. I did not initiate this action. I called XXXX to explain and they gave me aa XXXX number to call for assistance. I placed the call and the service is no longer available. The recording told me to contact the FTC, who then in turn sent me to you. 
I am just suspicious of my identity being hacked.
Consumer complaint received 2024-10-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

In XXXXXXXX XXXX XXXX  I received a letter from my Mortgage holder ( Citizens ) bank. The letter stated that I have a deficit in my escrow account. The letter stated I could either pay the deficit of {$51.00} by a certain date or they would divide the amount by 12 and add it to my monthly mortgage payments. I wrote and submitted the full amount of {$51.00} immediately. on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter from Citizens with a check enclosed for the amount of {$1700.00}. The letter stated that they are refusing my partial payment and that I need to submit the full amount of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I called Citizens. I asked why I received a check in the amount of my latest mortgage payment and why were they saying the amount I have been paying for a year has changed and I wasn't informed. I was told that I received a letter back in XXXX informing me of a shortage in my escrow account. I told the representative that I paid the shortage, they cashed the check. They said, it doesn't matter, they were adding the shortage to my monthly payment. I then went to my bank, deposited the check Citizens had returned then I submitted the NEW amount of {$1700.00}. electronically. Citizens received the payment the next day. They sat on returning my payment for 9 days prior to mailing the check and letter to me. On Monday, XX/XX/year>, I received another letter from Citizens stating my latest payment has not been received and a late fee of {$57.00} is now assessed. This last letter is dated XX/XX/year> and run through the Citizens postage stamp machine on XX/XX/year>. Again, they sat on a letter for 13 days prior to mailing. I again called Citizens today and they denied that I owed any mortgage to date however I do owe the {$57.00} for the late fees they are attempting to assess! The XXXX who I spoke with did state that " AS A COURTESY '' he could remove the late payment fee assessed due to my negligence! I WASN'T NEGLIGENT! CITIZENS WAS!
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am formally disputing a collection account Portfolio Recovery Associates , LLC ( XXXX ) reported to XXXX. XXXX failed to validate this alleged debt as required by the FDCPA. XXXX violated both the FDCPA and FCRA. 

XXXX failed to cease collection activities without proper validation of the alleged debt, violating 15 U.S.C. 1692g ( b ). Despite previously writing XXXX twice ( a copy of the return receipt for the second letter -- dated XXXX XXXXXXXX XXXX  -- is attached ) to dispute this alleged debt, they reported it to XXXX. 

By reporting this alleged debt to XXXX, without marking it as disputed, XXXX engaged in false and misleading representations, a violation of 15 U.S.C. 1692e ( 8 ). 

XXXX failed to provide a debt validation notice, which proper documentation, as required by 15 U.S.C. 1692g ( a ). The law requires this information to be provided within five days of initial communication. 

By reporting unvalidated and inaccurate information to XXXX, XXXX also violated its obligations under FCRA 15 U.S.C. 1681s-2 ( a ). XXXX is required to provide accurate and complete information to credit reporting agencies.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

To Whom It May Concern, Debt ( XXXX ) : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX This Debt was included in a Chapter XXXX Bankruptcy as of XXXX of XXXX. Since XXXX XXXX included this Vehicle and Lease with her Chapter XXXX Bankruptcy, by law as co-debtor I am protected with this debt by her Bankruptcy and this debt can no longer be considered late. 

Per the Fair Credit Reporting Act : All debts that were included in your bankruptcy should be reporting with a XXXX balance, show XXXX due, show nothing past due after the date of your bankruptcy filing A XXXX debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those XXXX creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report. 

If this information is not removed from my credit report per the Federal Guidelines I will have no recourse but to sue for damages as this incorrect information not only negatively impacts my scores, but the interest rates of the loans and credits cards in my possession.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately.

Below is a summary of the data in which I am challenging if all reporting history is 100 % accurate and complies with federal and state laws.

Account Name, number, account type, details, bureaus codes, monthly payments, date open, balance, no of months, high credit, credit limit, past due amounts, last reported, comments, last account activity, date of last payment from all 3 reporting agencies on these accounts listed. 

Please fully comply to these accounts send me actual proof in writhing that each account listed is follow all regulations and complies with all applicable laws if not please remove all data reporting. 

XX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Consumer complaint received 2024-10-27
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. (MD)

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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX {$15000.00} To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

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

Sincerely, XXXX XXXX