davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (PR)

On XXXX XXXX, 2014 I opened a case against XXXX XXXX and XXXX XXXX because they opened a collection which was closed as Identity Theft on XXXX XXXX, 2014. 

In that time, I explained to them that I have not ever live in NY, so it is not reasonable that I ask for a service in a place that I do not live and I do not planning to live. 
I work here in XXXX XXXX, I studied here, and I have been raised and live all my live here in XXXX. 
Also, I have an excellent credit ( which is affected by this again ). I do not have that kind of behavior about not paying my debts. 

Those cases were XXXX, and XXXX, which you have in your system. 
Both of them closed as Identity Theft. So why XXXX XXXX are trying to open this again after a year? It is not fair and they are damaging my credit.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OH)

I work XXXX and got paid for work to my PayPal account. I made an instant transfer and never got paid. I contacted PayPal customer service and they said it would be resolved in a few hours. I called back after a few hours and they said they were escalating my claim and that it can take 3-5 business days to resolve. This is the second time in a year that PayPal has held my instant transfers.
Consumer complaint received 2024-06-29
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: Kikoff Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: SANTANDER BANCORP (PR)

I have been trying to dispute this account on my credit report for months and have not heard back. I have sent numberous dispute letters to the credit bureaus and to Santander. They are failing to delete this account from my credit report because it is actually reporting twice on my credit report which is a violation of the FCRA. I have contacted an FCRA attorney who said I can sue for this but wanted to see if you could remove it to save us XXXX the trouble.
Consumer complaint received 2024-05-24
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. (TX)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it's supposed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX is not complete and it's not accurate. 

I had placed a call into XXXX XXXX  back in XXXX of XXXX and spoke with a customer service representative to ask if they could work with my monthly payment due to a decrease in income due to XXXX and the pandemic. They stated that they could offer a plan to break up the payments and defer some payments. I asked if this would negatively impact my credit and I was assured that it would NOT. I had not realized that months later they continued to report my account late. This was after assuring me on more than one occasion calling in that they would not be reporting anything late to the credit bureaus. I was shocked to find that they still did ( they reported a balance of {$4300.00} as well as several 30 day lates and a charge off ) given the unforseen circumstances with XXXX and my huge loss of income at the time. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit. 

I sent a letter on XX/XX/XXXX, asking them to reinvestigate this account and here are my tracking numbers : XXXX and XXXX I got the investigation back but noticed nothing was modified or updated. I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 168117.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ensuring timely payments on this account has always been a priority, avoiding any overdue status. I'm unsure why there are late payment notations on my accounts. 15 USC 1666b mandates correction of billing errors.
Consumer complaint received 2024-05-24
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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX - XXXX, "
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
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. (AL)

I always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.
Consumer complaint received 2024-05-24
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Experian Information Solutions Inc. (WI)

My son took out a loan for a car with his credit card from XXXX XXXX XXXX  and now the loan name is under mine because we both have the same name under XXXX, now i cant take out a loan because my bank XXXX XXXX XXXX wont give me a loan because they think i took a loan out.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-05-24
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-24
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. (WY)

I am writing to express my continued frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite my previous XXXX attempts to rectify these inaccuracies, the fraudulent entries persist, significantly impacting my creditworthiness. This letter serves as my third formal request for the removal of these erroneous entries. Despite these efforts, these fraudulent items remain on my credit report, causing undue harm to my credit profile and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. I urge you to treat this matter with the urgency it deserves and provide a written response within the legally mandated XXXX timeframe, confirming the removal of the fraudulent items from my credit report. I appreciate your immediate attention and also for your help to this matter and your commitment to resolving it promptly. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANCO POPULAR DE PUERTO RICO (TN)

My late mother passed away a year ago. She left a creditcard with Banco Popular of Puerto in her name with a high balance. The credit card division has filed a lawsuit demanding payment. My Attorney XXXX XXXX XXXX has approached the credit card division of the bank and negotiated an agreement to pay off the outstanding balance from {$38000.00} to {$24000.00}. My surving father has two CD 's which add up to more than {$100000.00}. My Attorney suggested to the bank that one of the Cd 's be cash and the monies be applied towards the outstanding balance. The people at the consumer division of the Banco Popular refuse to do this. Neither I nor my XXXX sister have that kind of money. Could you folks please help me with this problem? I have dealt before with the bank 's Attorney XXXX XXXX XXXX XXXX at the banks legal division at XXXX ext. XXXX. I think the solution suggested makes common sense. Thank you for all previous help and may XXXX bless all of you! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I contacted XXXX  to negotiate a settlement, they did not reply.

My credit report says it is a charge off. I contacted XXXX  again and requested a 1099-C since written off accounts are income and do not belong on a credit report. They did not reply.

If XXXX  sold the debt, they need to update my credit report to a balance of XXXX. If they leave my account with a balance after they sold the debt, they are committing double jeopardy. 

If they have not sold my debt, they need to respond to me in writing regarding negotiating a settlement. 

It is not legal for them to be currently and continuously reporting negative information about me without providing any way for me to make improvements.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.
Consumer complaint received 2024-05-24
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)

I have been in contact with Transunion for several months, seeking the removal of inaccurate information listed on my consumer report. Despite my consistent efforts to resolve this issue, XXXX has repeatedly failed to conduct a proper investigation as required by law. Instead, I have been met with stall emails falsely stating that I am not the one submitting these letters, despite providing proof of my personal information. 

Since XXXX, I have received several stall responses from Transunion, all of which have hindered the resolution process without addressing the inaccuracies in my report. Attached are the timelines of all the letters I have sent and the responses I have received from XXXX. 

I appreciate your assistance in this matter and look forward to your help in achieving a resolution.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visiXXXX XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me XXXX XXXX and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-06-21
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. (TX)

PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-05-24
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. (NY)

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any 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.
Consumer complaint received 2024-05-24
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. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$300.00} XXXX XX/XX/year>
Consumer complaint received 2024-05-24
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. (AL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.