davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (NY)

In accordance with the Fair Credit Reporting Act. These list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

a. Account Name : XXXX XXXX XXXX Account # XXXX b. Account Name : XXXX XXXX  Account # XXXX c. Account Name : XXXX XXXX - XXXX Account # XXXX This above referenced accounts are in violation of Fair Credit Reporting Act supported by the following : 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. Code 1681s2 ( a ) ( 1 ) ( B ) ( ii ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the information is, in fact, inaccurate.
Consumer complaint received 2024-11-19
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. (MA)

The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 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  Additionally, I am writing to address specific discrepancies on my credit report that align with billing errors as defined under XXXX XXXX Code XXXX ( b ). These errors fall into the following categories : Failure by the creditor to accurately reflect a payment made by me or to properly credit my account on the statement. 
A computational or similar accounting error made by the creditor on the statement. 
I believe that the creditors failed to provide me with a billing statement at least 21 days prior to the payment due date, which would invalidate any claims of late payment under the law. I am requesting concrete evidence from the creditors ' bank records to verify their assertion that I failed to make a payment. Any resulting designation of " late payment '' is likely the result of an invoicing error. 

Therefore, I respectfully request that the entries for the accounts listed above be promptly updated on my consumer report to accurately reflect their status as " paid as agreed. ''
Consumer complaint received 2023-05-18
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 (FL)

Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I believe that this limitation has been imposed on my account due to a mistake or misunderstanding, and I kindly request that PayPal re-investigate my case in order to rectify this situation. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that are in contravention of the terms and conditions outlined by PayPal. I have always been diligent in adhering to PayPal 's guidelines, and I have used the platform responsibly for both personal and professional purposes. 

I firmly believe that there has been an error in the assessment of my account, leading to the unjust imposition of this permanent limitation. I have reviewed my account history thoroughly, and I have not identified any suspicious or unauthorized transactions that would warrant such a severe action. Therefore, I kindly request that PayPal conducts a thorough re-evaluation of my account activity to uncover any potential misunderstandings or errors that may have contributed to this decision.

It is of utmost importance to me to have my PayPal account restored, as it plays a significant role in facilitating my financial transactions and XXXX XXXX activities. The services provided by PayPal have proven to be invaluable in enabling me to conduct secure and efficient transactions with customers and vendors alike. The permanent limitation on my account severely hampers my ability to continue my business operations smoothly and efficiently.

In light of the aforementioned points, I respectfully appeal to PayPal to reconsider their decision and undertake a diligent review of my case. I sincerely request that you investigate my account thoroughly, taking into consideration my long-standing history as a responsible and compliant PayPal user XXXX If any mistakes or misunderstandings are identified, I kindly ask that you rectify them promptly and reinstate my PayPal account to its full functionality. 

I have always appreciated the convenience and reliability offered by PayPal, and I am confident that this matter can be resolved through a fair and just re-evaluation of my account. I sincerely hope that you will give due consideration to my appeal and swiftly respond with a positive resolution. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

This is my MULTIPLE COMPLAINTS, there are still innacurate information and unauthorized inquiries in my CREDIT REPORT ... that need to be fixed, OR deleted. I thus ask that all of the false information listed in my credit file be corrected, and DELETED right now. 

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 2024-04-30
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. (LA)

I just received copy of my credit report and found those fraud inquiries below that were used without my knowledge. 

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 XXXXXX/XX/XXXX DELETE ALL THOSE XXXX FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2023-12-19
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. (CA)

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 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (TX)

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 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NY)

National credit adjusters bought up a debt in XXXX oXXXX XXXX that I had no knowledge about.. XXXX XXXX XXXX ( FDCPA ) establishes regulations protecting consumers from abusive debt XXXX. ( no debt XXXX company by law can buy up a debt without your written permission or notifying the consumer XXXX XXXX before due date.. the amount was XXXX in XXXX of XXXX and still stands to this day of XXXX XXXX XXXX XXXX during that time period.. 
According to the fair credit reporting act XXXX XXXX  XXXX ) it is illegal to report information on my credit report without my permission, can you please remove this item from my credit report
Consumer complaint received 2024-05-31
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. (NJ)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-04-30
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. (TX)

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Consumer complaint received 2024-04-05
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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)

recently l locked at a copy of my credit report and noticed inaccuracies on my account this account is hutting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as cocurate XXXX XXXX XXXX as shown on your report
Consumer complaint received 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Called New Rez on XX/XX/2021 because we are now trying to refinance with another lender because they have drug out this process with them for over a year. I called them because XXXX Bank escrow loan officer said our property taxes have not been paid ( last two installments ), and we needed to find out why. New Rez said they had put a freeze on those monies because we in refinance with them??? I told XXXX XXXX we don't want to refinance with you and have told you so in emails and voicemails, because I can never talk to a live person!!! And that they needed to release those funds and they were responsible for any and all late fees because that is included in our monthly payments to them. I called them back after checking with XXXX XXXX on XX/XX/2021, and property taxes are still not paid. XXXX XXXX from New Rez said they will be paid by XX/XX/2021. I just checked our online statement and they are not paid. The county said if not paid by XX/XX/2021 our home will go into forebearance???? This is New Rez 's legal obligation to pay our property taxes on time, as we pay them in Good Faith to entrust them to pay our property taxes on time!
Consumer complaint received 2024-04-30
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Social Security Number XXXX XX/XX/2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my XXXX report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject 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 instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (FL)

We lived at XXXX XXXX XXXX apartments before they were purchased by XXXX. Upon purchase, they replaced most of the staff, including my wife who had worked there from XXXX to XXXX. We moved out and into the new property she was employed by. Upon moving, my vehicle was struck by their gate and damaged. The property manager XXXX said they would compensate me for the damage, but never did. A few months later, we noticed a collections on our credit reports for over {$2000.00}. We were not provided with any notification of the debt, nor any detailed list of charges. We contacted XXXXXXXX XXXX and they told us it was no longer with them. We tried to obtain an itemized list of the charges, because we did not agree that we owed them. We were not furnished any such list. We disputed the charges and they came back valid with the credit bureaus. We contacted the collection agency to try and resolve this issue, and they were very rude. They refused to remove this unjustified charge from our credit reports for anything less than full payment of moneys we do not believe is rightfully owed. We are now stuck with little to no options other than being fleeced by these XXXX
Consumer complaint received 2024-05-01
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX 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 2024-11-19
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. (CA)

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 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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 XXXX bank/XXXX account number XXXX XXXX XXXX XXXX net credit account number XXXX I look in TransUnion credit report on XX/XX/year> and notice something are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( XXXX  ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( XXXX ) of any information dispute that it was a payment in XX/XX/year> is inaccurate and that this account would be removed XXXX/XXXX  is incorrect
Consumer complaint received 2023-12-19
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-30
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. (PA)

FCRA 605B, I think, mandates the removal of any inaccurate accounts from my credit report. Would you mind checking the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (LA)

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 2024-04-30
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. (PR)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and XXXX  XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX credit I have proof of payment and they also frozen people accounts and said that they are still reporting with frozen cards but they have been reporting me late thus far, I have proof UDATE they are reporting late and destroying my credit HELP