davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I was alerted to a purchase using my PayPal account at XXXX XX/XX/XXXX in the amount of {$12000.00} by PayPal, asking if I had performed that transaction, as well as an email regarding the same transaction at XXXX the same day. I immediately responded that I had not. I then restored the account at XXXX, removed a fraudulent passkey at XXXX, changed the password multiple times, and was able to submit a claim at XXXX. At XXXX, I also removed all payment forms to attempt to insulate myself from more fraud. I called my bank ( XXXX ) at XXXX the same day and sent an email to XXXX ( where the transaction was ) at XXXX asking to cancel the order. On XX/XX/XXXX, PayPal responded that they had internally decided that the transaction was not legitimate, despite them being the ones to flag and alert the payment. I was able to call them on XX/XX/XXXX, and they changed the reason of my claim to not receiving merchandise, claiming that this was the best way to potentially recover the money. Given that the shipping address for the transaction was not my residence ( something PayPal is fully aware of ) I believed this to be valid. On XX/XX/XXXX at XXXX, PayPal once again denied the claim. PayPal also has not provided any information on why they denied the initial claim, despite my asking.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX attempted to unfreeze ( XXXX XXXX ) credit from all three credit bureaus. I was quickly successful with XXXX and XXXX. However, with Transunion my login attempt came to an end when an indicated 2-factor authentication was required and a 6-digit code via email was to be sent. 30 minutes later no email had arrived. I had already been on hold for 30 minutes while waiting for said email. The four times I attempted to login, each time, was told an email had been sent. I searched my spam/junk folder - no email. As I was waiting I attempted to chat online with a representative of Transunion. After 10-15 minutes was able to chat with XXXX which XXXX to her asking if I had a free or paid account. I was then given another number to call. It was the same line ( different number ) as the one I had been waiting for a " busy '' representative. I told XXXX ( chat rep ) I had checked my email spam/junk folder and she said they knew there were problems and email could arrive after 20-30 minutes. At that time I had already been waiting for the email for more than 30 minutes. TransUnion is holding hostage my credit report- via unfreezing. I will be asking my congressional representatives and senators to look into this. It seems because of the question XXXX asked, that only those consumers who pay for their service get access to their credit reports and the ability to freeze and unfreeze their credit. The creditors are charged for my information and thus TransUnion gets paid. I should not have to pay for access to my credit. It is my information they collect. I should not have to pay and their customer service should be stellar. It, unfortunately, is NOT.
Consumer complaint received 2024-08-15
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. (WY)

I looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fraud 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.these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and one more thing according to 15usc 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.15usc1681 ( 602 ) a states that is have the right to privacy.and according to 15usc1681 1eb they are supposed to ensure this 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.
Consumer complaint received 2024-08-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (NC)

Company : Southern Management Sy Date : XX/XX/year> Amount stated owed : {$2400.00} I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frommy report, they are hurting my ability to obtain credit.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Williams, Rush & Associates, LLC (TX)

Hello, Im writing to manifest Proper action. Ive received countless measures of communication from Debt Collector William Rush & associates. On XX/XX/year> I requested the company not contact me via text message regarding the matter anymore or there Will be a violation fee of {$1000.00}. The company responded and verified that the information was noted into my account. On XX/XX/year> I received communication Via text message from this debt collector once again regarding the same matter. This was a complete violation of my consumer rights and my request. On XX/XX/year> The representative of William Rush and associates Received a certified letter from me that was signed for. In this letter signed and received by the representative were The violations to my consumer rights, Photo proof of the text Communications and violations, And also an invoice in the amount of {$1000.00} to be paid Upon receipt of the letter. No further actions have taken place. I reached out to this debt Collector via phone and spoke with the companies representative Who is in charge of receiving certified mail. Although her signature is signed on my return receipt for my certified mail, she states that she never received Notice. She requested that I email a photocopy of my return receipt to ( XXXX ). I provided a photocopy of the return receipt on XX/XX/year>, As well as everything that the letter and invoice included. Ive received no response nor payment to satisfy the violation cost. I am reaching out to you to resolve this matter promptly.
Consumer complaint received 2024-08-03
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)

A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (IL)

I sent a request to you to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-28
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-06
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. (WI)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2023-08-28
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. (ND)

Im resubmitting 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 visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-28
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXXXXXX Balance {$0.00}.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (CA)

In XXXX, I opened an account with Bank of the West, which eventually closed due to me being overdrafted. In XXXX, Bank of the West began reporting the closed account debt on my XXXX, however, when I called Bank of the West in XXXX to rectify the debt, I was told it was no longer owed. On XX/XX/XXXX, I went to a credit union and attempted open a bank account only to be told that Bank of the West ( which is now apart of BMO Bank as apart of an acquisition ) is now reporting that I owed them a debt and was denied opening an account at the credit union.

It took several attempts of research to locate a way to pay Bank of the West as they are now defunct. I went into a BMO Bank in person and inquired how to pay the debt for their partner company and I was instructed to pay the debt there at the BMO Bank, which I did. 

I have continued to try to reach BMO/Bank of the West to get a letter confirming the debt was satisfied and to remove the debt from XXXX and any other reporting agencies, but their company has difficult customer service and it has been impossible to get further assistance.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have attempted to resolve a dispute with Bank of America numerous times for a fraudulent transaction charged to my Visa card on XX/XX/2023. The transaction was a " Coerced debt '' charge initiated by XXXX in XXXX, XXXX in the amount of {$1400.00}. My son and his friend were enticed into a club by the promise of a {$30.00} cover charge that included their drinks. When attempting to leave, the staff indicated they owed {$1400.00} to which they vehemently disagreed. At that time, my son 's friend was assaulted and physically removed from the establishment. My son, XXXX was then threatened with a baseball bat, and told if he didn't produce a credit card, he would be assaulted as well. In fear for his life, my son gave them his credit card. The staff refused to give him a copy of a bill and he didn't sign the charge slip. My dispute was denied by Bank of America. They refused to request the detailed bill or the signed charge slip from the merchant. This was clearly a scam and this charge was coerced through the threat of violence.
Consumer complaint received 2023-08-28
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)

My credit report is showing late payment on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (GA)

I am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to rectify late open accounts associated with my financial profile, as well as the prompt removal of a public record from my credit report. The persistence of these issues is causing significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The late open accounts and the presence of a public record on my credit report are adversely impacting my creditworthiness and overall financial stability. Despite my repeated attempts to address these inaccuracies, they continue to linger on my financial records, hampering my ability to secure loans, credit, and favorable interest rates. 

I initially brought these matters to your institution 's attention and since then, I have made numerous diligent attempts to have them corrected. However, my efforts have been met with repeated denials and delays, exacerbating the negative impact on my financial well-being. 

I urgently request that your institution takes immediate and effective action to rectify these issues. Firstly, I expect a swift review and correction of the late open accounts associated with my financial profile. These inaccuracies must be promptly removed from my financial records to ensure the accuracy of my credit report and restore my creditworthiness. 

Additionally, I request the prompt removal of the public record from my credit report. This item is inaccurate and unfairly tarnishes my credit history, and its removal is essential to mitigate its adverse effects on my financial standing. 

I understand the importance of accurate and up-to-date credit reporting, and I trust that your institution values its customers ' financial well-being. Therefore, I urge you to prioritize the resolution of these issues and to take proactive measures to prevent similar inaccuracies from occurring in the future. 

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my disputes. With this, I am asking for your assistance to remove or correct these items in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX  Bankruptcy Reference XXXX XXXX XXXXXXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX