davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. tracking number for USPS is XXXX XXXX XXXX. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX  ) Has violated my rights XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts.XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Consumer complaint received 2023-12-18
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. (FL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account number:XXXX. I have recently made a complaint that was responded to ; however the response said my funds would be released after 180 days ( 6 months ). This is too long of a wait to not have my funds, as I have to pay rent, child support, my phone bill, ect... 

I understand they have a policy, but this is just holding my funds for no reason other than to hold them. I've seen numerous reports online about " venmo '' sending XXXX automated responses to people an then holding their funds. 

It should not have to take 180 days to realize if funds were fraudulent or not, let alone to return them to a consumer who is verified on your platform. I NEED my money sooner than 180 days, I am going through financial hardship an I cant afford court.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 resulte 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 report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (CA)

I filed for Unemployment Insurance via the California Employment Development Department. According to my account, I started receiving payments in XXXX, and according to my last conversation over the phone with a Money Network representative, a card was issued to my address 2 weeks after I filed.

According to a Money Network representative, the card was mailed to my address. However, I never received the card, and there is no record of the USPS sending it to my address as I receive scans of every mail and package through their customer XXXX XXXX email service and there are no records of any letters coming from Money Network addresses between the days in which the card was issued, and the dates in which four unauthorized transactions occurred from the account associated with that card.

So, I filed a dispute with the Money Network. On the letter I asked them to send me a check for the money that was stolen from me. I received a letter from them stating they made an error and sided with me. However, their letter did not include a check. And apparently, they sent me a replacement card for the one that was stolen. I waited two weeks to receive the card. Nothing came up on my mail again. I called the Money Network again, and guess what, the replacement card was stolen.

So, I am going to file another dispute and I requested that I receive a paper check. I have started this process, but still waiting. However, I believe the Money Network is running an operation from the inside, before cards even reach the USPS system, and I really believe they are stealing money from thousands of XXXX recipients.
Consumer complaint received 2024-06-18
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. (NC)

I was a victim of identity theft and I am currently in XXXX  and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (NJ)

after reopening my account with Venmo and having a customer play me through their app, they decided to close my account with no explaitonomn no reason and won't realize my funds that are on that account till 180 days now due to this, I can't complete my customer order and they want a refund Venmo refused to release the money not me I had successfully passed all security questions asked I supplied my ID and information which approved and accepted.. 

they are stating I violated an agreement but won't tell me what it was I only had the account active for 4 hours and made one transaction also I don't understand what I did. 

I would like to provide a detailed account of my experience with Venmo. After reopening my account and receiving a payment from a customer, Venmo suddenly closed my account without any explanation. I was left confused and frustrated as I couldn't understand why my account was closed, and Venmo refused to provide me with any information. 

The closure of my account has created a significant problem for me as I had funds in the account that I can not access for 180 days. This has caused me to be unable to complete my customer 's order, and they are now asking for a refund. However, Venmo is refusing to release my funds, even after I provided all the required documents, including my ID and other details. 

I had successfully passed all security questions and answered them accurately. There was only one transaction made on my account, and I had no idea what I could have done wrong. Venmo claimed that I violated an agreement, but they did not specify which agreement. It was frustrating for me as I had only used the account for four hours, and I could not understand why Venmo closed my account without any clear reason. 

Therefore, I urge Venmo to take immediate action and provide a clear explanation for their sudden closure of my account. I also request that they release my funds as soon as possible so that I can resolve the issue with my customer.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my extreme frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (AL)

I opened a business in XX/XX/2023. I chose to I opened a business in XX/XX/2023. I chose to go with XXXX XXXX for my accounting program. XXXX XXXX uses we pay for their payment system to receive payments online for my customers. We ran into problems from the beginning they are now holding {$1100.00} of mine and wont return it. On XX/XX/XXXX XXXX with we pay confirmed the settlement of {$1100.00} was under a normal state of review will take one to three business days. XX/XX/XXXX XXXX with we pay no longer processed my funds and it would be put into reserve for 120 days. XXXX with we pay on XX/XX/XXXX could no longer give me any more information. I contacted fresh books XXXX the senior team lead inform me I just needed to file an appeal. I have not heard anything since I did contact them today XX/XX/2023 we pay, XXXX with pay said that they would send it to the correct department.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 Section 602. States I have the right to privacy. 15 USC1681 section 604A ( 2 ), it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-08
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. (NV)

15 U.S. Code S 1681 a - Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I am writing to express my extreme frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX XXXX XXXX : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} IL XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-17
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2023-12-18
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. (FL)

Dear Sir/Madam, I am writing to bring to your attention multiple incorrect addresses listed on my credit report. I have never resided at these addresses and have no knowledge of them. I believe these inaccuracies are a result of identity theft, as multiple accounts, loans, and credit builders were opened in my name without my consent or knowledge. 


I have been a resident at the following address for the past 5 years and 5 months : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX However, upon reviewing my credit report, I discovered the following incorrect addresses associated with my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can assure you that I have never lived at any of these addresses nor had any financial dealings associated with them. The inclusion of these addresses on my credit report has had a detrimental impact on my creditworthiness and financial reputation. 


I kindly request that you update your records and remove these incorrect addresses from my credit report. Furthermore, I urge you to conduct a thorough investigation into the fraudulent accounts, loans, and credit builders that have been opened in my name without my consent. 


I have taken the necessary steps to report these fraudulent activities to the appropriate authorities, including filing police reports and placing fraud alerts on my accounts. I have also contacted the following financial institutions listed on my credit report, which were involved in authorizing these fraudulent actions : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I kindly request that you work with these institutions to update their records and reflect the fraudulent nature of these accounts. 


I understand that resolving this matter may require some time and investigation. However, I kindly ask that you keep me informed of the progress and provide regular updates on the status of my dispute. 


I appreciate your attention to this matter and your assistance in rectifying the inaccuracies on my credit report. Please feel free to contact me at the address provided above or at [ Your Phone Number ] if you require any further information or documentation. 


Thank you for your prompt attention to this matter.