davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit 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 relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According 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 and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-14
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. (OH)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-14
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. (MI)

On XXXX XXXX I notice items on my XXXX credit report that I did not consent which brought to my attention identity theft that violate my rights pursuant to the Fair Credit Reporting Act ( XXXX XXXX XXXX1c-2 ) and the Fair Debt Collection Practices Act
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I called Rightpath Servicing XXXX and spoke with XXXX who told me there was a hold on my foreclose and not to worry. I finally received the call back from XXXX to get legal advice. She told me my home has a court date and the sheriff came to notify me on XX/XX/XXXX, but I wasn't home. I believe she said I have a sell date of my home XX/XX/2023. Meanwhile I received a letter from XXXX stating pay XX/XX/XXXX. XXXX sent the total payment due on XX/XX/2023. I need this foreclosure dismissed.
Consumer complaint received 2023-09-15
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. (GA)

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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$650.00} XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 

-I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-10-25
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. (WI)

In Accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. U.S.C C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore I am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I DO NOT HAVE NOR EVER HAD A CONTRACT WITH XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX did NOT provide me with the original contract, as I requested several times. THANK YOU!
Consumer complaint received 2024-06-17
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 (WA)

My name is XXXX " XXXX '' XXXX, and I am writing to formally file a complaint against PayPal for the unjust suspension of my account. As an American citizen with a background in law, I am deeply concerned and frustrated by this action, which has effectively deprived me of access to my funds without just cause or due process. 

Account Information : Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Email : XXXX Complaint Details : On XX/XX/XXXX, I received a notification from PayPal stating that my account had been suspended. The notification did not provide a specific reason for the suspension, nor did it offer a clear path for resolution. This sudden and arbitrary action has caused significant inconvenience and financial hardship, as I rely on PayPal for both personal and business transactions.

Issues Raised : Lack of Transparency : PayPal has failed to provide a transparent and adequate explanation for the suspension of my account. 
Access to Funds : The suspension has restricted my access to my own money, which is essential for my daily living and business operations. 
Due Process : I was not given prior notice or an opportunity to address any potential issues before the account was suspended. 
Requested Resolution : I respectfully request the following actions to resolve this issue : Immediate Reinstatement of Account Access : I urge PayPal to immediately lift the suspension on my account and restore my access to my funds.

Detailed Explanation : I request a detailed explanation of the reasons behind the suspension of my account.

Fair Process : I seek assurance that PayPal will implement a fair and transparent process for account suspensions, including proper notice and an opportunity to address any concerns.

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me at [ your phone number ] or [ your email ] should you require any additional information.

Thank you for your time and consideration.
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: Credit Control, LLC (NV)

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) so therefore they are not reporting accuracy on my credit profile. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. They are violating my rights, my privacy and personal identity.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NJ)

I am trying to get my mobile access to my Ally bank accounts but everytime I call, I am being reported for fraud due to a bad check. They said a fraud investigator would call but no one has called me or created any attempt to unlock my account. I have funds within the bank and would like to transfer in and out of the bank but I am not allowed because Ally bank has restricted access to my account.
Consumer complaint received 2024-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I use PayPal. Someone who said she's a friend asked for money via PayPal. After that she wanted more money. I started to get a bad feeling that I was being scammed. I don't know why there's so many scammers on PayPal. The transaction was {$28.00} and the date of the transaction was XX/XX/year>. PayPal said they would help, but I have doubts.
Consumer complaint received 2023-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (AZ)

Myself and XXXX XXXX representative XXXX XXXX have tried repeatedly to contact XXXX XXXX to resolve the issues with my loan modification. Even logging in to portal for mtg update is not successful!
Consumer complaint received 2024-01-27
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I requested a preapproval for a Venture credit card. I was denied- the reason being I had too many applications in previous 24 months. I am fully aware of their XX/XX/scrub>5/24 rule and know for a fact I do not have XXXX applications. 

When I called to challenge I was told I should apply anyway. When I was asked why I would do that if I was declined pre approval for a bogus reason, they said there was nothing else I could do. 

I was told to contact the credit bureau, but I already have copies of all my bureau reports and they show I have fewer than XXXX inquiries in 24 months. 

I have a XXXX over XXXX, income of XXXX a year, pay cards on time, no bankruptcies. 

I offered to send a copy of my credit report but they said there was no way to process it. 

I have read that Capital Ones pre approval process is flawed. I just want the card and the promised XXXX point bonus.
Consumer complaint received 2024-10-24
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. (FL)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2400.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private D.O.B. ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card accounts, Auto loan accounts and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XXXX I contacted this company and the representative in my state of Massachusetts, they told me that this account was closed and that they did not have this account in their records, I have called them and they say that the account does not appear. I am looking in my report that since XX/XX/XXXX they have not updated the information in my credit report and this account appears as an open account and this account was closed. 

It says that it has 7 late payments, but they have not updated the status since XX/XX/XXXX, which is false and affects my credit reputation. Since if what they say is true, there must have been more than 30 late payments. This account has false and inaccurate information because it also has an amount that does not correspond to it and the other Bureaus have only two late payments!! 

XXXX XXXX XXXX XXXX Highest balance {$1700.00} This account does not even have the balance with which it was opened, it has a lot of incorrect information.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$710.00}
Consumer complaint received 2024-06-13
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: JPMORGAN CHASE & CO. (SC)

I closed on the loan with Chase Mortgage. The tax division of Chase overpaid 2024 property taxes. The taxes owed were {$3000.00}. Chase paid {$7400.00}. They attempted to raise my mortgage. I contracted the tax division of Chase Mortgage in XXXX to understand the discrepancy. They agreed there was a discrepancy. The tax division said they needed to make a formal request for a refund from XXXX XXXX. I was told at that time to continue paying the lower monthly mortgage amount and that the tax division would secure the refund. Then Chase reported on my credit report that I was delinquent in my payment therefore lowering my credit score. I contacted Chase and asked where the refund was and why they reported my payments being late after being told to continue paying the lower amount. They admitted they had never made a request to XXXX XXXX for the refund. I also reached out to XXXX XXXX and they too said no request had been made by Chase for a refund. Now my credit is being impacted because of Chase 's failure to pay my property taxes correctly and again by not requesting the refund as they committed to do. We have documentation to show all of this.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Credit reporting agencies along with the companies listed on my document all continue to misrepresent my profile with false data. Time and time again I send letters auditing them showing and proving violations with the laws listed and they fail to properly service my requests along with delete tradelines that show inaccuracies.