davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (MS)

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.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX 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 XXXX 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 2023-05-24
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, XXXX XXXX  and U S DEPT OF EDXXXXXXXX yet they are not removing this fraudulent account. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX have refused to do this . The followings are the fraudulent accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXXXXXX Date opened XX/XX/XXXX, U S DEPT OF EDXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$780.00} U S DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$460.00} that were opened at an address which I have never lived at and it has nothing to do with me.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

When I miss placed my credit card, I called the issuer American Express ( Amex ) and they issued a replacement card. I started to use the card and I setup the online account and I paid my first statement on the due date XX/XX/2023. I kept on using the card after I requested my due date to be changed to the XXXX of each month to arrange my payment to other cards I had. On the following month of XX/XX/XXXX, I attempted to make full payment to what I owe but I found ( Amex ) considered my payment was late and provided me with the next month due date which included late fee and interest. I called the customer care and explained everything and asked them to credit my account so I can make my payment but he answered that he tried but the system couldnt accept his effort because I had one late fee removed before which was not correct. I asked to speak with a supervisor and I explained everything again and his answer was the same so I told him I wasnt happy with his bank and I felt they are imposing unfair banking practice to inflate their profits. I called again on XX/XX/2023 and I told the associate that even though I was not happy but I make a full payment to avoid any future consequences of excessive charges and he promised me to upscale my complaint to the highest level to investigate then they will get back to me with their finding!! What adds more problems is now they are charging me extra interest because I missed my ontime payment before so my question to the customer care rep what I wasnt informed by the internet when I made my payment he kept apologizing but couldnt credit it that is a steel and XXXX off Please help! Thanks.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i requested the companies to remove inaccurate and unfair information from my credit report. these late payments appearing are not accurate. i requested for the companies to investigate the late payments since they were negatively affecting my credit worthiness for the worse. 
also i asked them to remove any old and inaccurate addresses as well that i am unaware of or not associated with
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}
Consumer complaint received 2023-05-24
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. (NV)

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed.
Consumer complaint received 2023-05-24
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. (GA)

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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Upon receiving my credit report from all three bureaus, including XXXX, XXXX and Experian I have noticed incorrect reporting. The first reporting on my credit report that is considered fraud would be a collection from XXXX ( XXXX XXXX XXXX  ) in the amount of {$110000.00}. The second incorrect filing on my report would be from XXXX XXXX XXXX XXXX XXXX ) in the amount of {$1100.00}. The third incorrect filing is from XXXX XXXX XXXX  in the amount of {$880.00}. Regarding the 3 incorrect filings listed above I have contacted both the service providers as well as XXXX, XXXX and Experian to dispute the filings. I have also reported the incorrect filings to ( IdentityTheft.gov )
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On *date letter was sent on the dispute* i sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

I was notified today via XXXX that a new collection had been added to my XXXX report from Jefferson Capital. I have been disputing this account with the all three bureaus since XXXX of XXXX with the original creditor on my report XXXX I have sent a reinvestigation letter and method of verification letter to all three bureaus to verify this account only for this collection company to be added in XXXX. I had no knowledge of the debt being sold nor any communication from Jefferson Capital about the debt being sold. I do not recognize how and why this account is now reporting on my credit.
Consumer complaint received 2023-05-24
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. (NY)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-05-24
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 (CA)

Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I believe that this limitation was placed as a result of a mistake, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. 

First and foremost, I would like to emphasize that I have been a loyal and responsible user of PayPal. Throughout my usage, I have maintained a strong commitment to complying with all the terms and conditions set forth by PayPal. I have always conducted my transactions in a lawful and ethical manner, respecting the platform 's policies and guidelines. 

Upon discovering that my account has been permanently limited, I thoroughly reviewed my recent activities to understand the reason behind this decision. To the best of my knowledge, I have not engaged in any prohibited activities, such as fraud, money laundering, or any other actions that could potentially compromise the integrity of PayPal 's services. I have always strived to maintain a positive reputation and have not received any complaints or disputes against my account. 

Considering the aforementioned points, I kindly request PayPal to re-investigate my case in detail and reconsider the permanent limitation imposed on my account. I believe that there may have been an error or misunderstanding leading to this decision, and I am confident that a thorough review will reveal my adherence to PayPal 's policies. 

Moreover, I understand that PayPal values its customers and aims to provide them with a secure and reliable platform for online transactions. As a loyal user, I kindly request the opportunity to present any additional information or evidence that may aid in the reevaluation of my account 's status. I am fully committed to cooperating with PayPal throughout this process and providing any necessary documentation to support my case. 

For your convenience, the email address associated with my PayPal account is XXXX. I kindly request that all further communication regarding this matter be directed to this email address. I appreciate your prompt attention to this appeal and hope for a fair and favorable resolution. 

Thank you for your time and consideration. I remain hopeful that PayPal will recognize my dedication to your platform and restore my account, allowing me to resume using PayPal 's services for my financial needs. 

Yours sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-05-24
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: CBC Companies, Inc. (NJ)

-All inquiries reporting on XXXX XXXX credit profile are incorrectly reporting incompletely -All delinquents reporting on XXXX XXXX credit profile to be removed immediately?
Consumer complaint received 2023-05-24
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: CMG MORTGAGE, INC (TX)

XXXXXXXX XXXX has allowed the non-occupant, co-borrower to change my personal information TWICE without notifying me. My address has been changed two times within the last 45 days and has affected my credit bureaus. I've reported to FTC and my personal credit monitor company. XXXX has been notified and they denied. I have documents from them stating they did so. XXXX portal was changed twice, they again denied, I took screen shot before changing back to correct address. I am the primary, I live at this address alone, I've been through I'd theft before with high suspension that the same person is doing it again. I need XXXX to stop allowing others to speak to them without my consent. I need XXXX to stop changing my address without my consent. I need XXXX to stop giving out my personal information without my consent. I need XXXX to correctly report my permanent address back to the credit bureaus immediately. All documents and letters sent by XXXX will be retained for court viewing only! I am submitting one document that was sent certified mail twice to XXXX.
Consumer complaint received 2024-08-26
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I've been having this problem with XXXX for quite some time now, my credit score is a XXXX, they keep putting the same fraudulent accounts on my credit report even after having official documentation, Identity Theft Id # along with police records showing proof that the accounts does not belong to me, I missed one payment over a year ago due to being out of state for a funeral, paid it within days of due date and every week XXXX is still removing 50 plus points at at time, and claiming it's still for the one late payment, after speaking with a representative yesterday, not even 10 mins after the call he removes XXXX points off of my score. I mean at some point in time, in this lifetime somewhere it has to become a fair process for the consumers, it almost like modern-day slavery, you can't even get what you earned and have worked hard for, and you can't even have a conversation with the companies to rectify the problems in a professional matter, they will just go and remove points for unnecessary reason, I need help with this, I applied for auto loan and because of XXXX scores not being accurate and incorrect information on my credit report, This isn't fair, I work hard to pay bills and keep a healthy credit report and I deserve protection just like anyone else, this isn't my first time reporting XXXX to you guys, please help me with some real-life solutions and results.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

I receive calls from Commenity Bank in regards to XXXX XXXX XXXX XXXX credit card. At this time I am in a financial hardship which I have let them know however they constantly call XXXX times a day sometimes back to back. This morning ( XX/XX/XXXX ) at XXXX I answered the call and let them know I would be getting a lawyer involved and to please stop contacting me. At XXXX they again called back and previously at XXXX one that I did not answer. Yesterday XX/XX/XXXX they called XXXX times and before that on Sunday XX/XX/XXXX 4 times in one day, XXXX, XXXX, XXXX and XXXX. This has been happening for several weeks and I know the laws, they are not allowed to call more than XXXX times in a XXXX day period. There was one day XX/XX/XXXXXXXX  that they called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. That in one day is XXXX times, which is over the XXXX  times in a XXXX day period. This is beyond rediculous as I work several jobs and have children to tend to. I have all phone records to prove they are harrassing me on a daily basis by constantly calling.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OH)

LVN and XXXX XXXX are in violation. XXXX is where I have made multipule disputes and XXXX states its verified. I have requested validation as well as the buyers purchase agrements. I have recieved nothing. It has been over a year. They by law have to be removed if not able to supply validation.