davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-25
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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. (CA)

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 account listed without my expressed written consent.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

several HUNDRED dollars I sent to people using PayPal and PayPal refuses to refund my money even though I Never received anything I paid for by sending money to people using PayPal
 I have already reported that to PayPal MANY times
Consumer complaint received 2024-06-07
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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-06-06
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. (IL)

Recently i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In ge
neral if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the infoermation is foubd to be inaccurate or incomplete or can not ber verified, the consumer reporeting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropiuate based on the results of the reinvestigation; and ( ii ) promptly noyify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items freom my credit report, immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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: WELLS FARGO & COMPANY (CA)

The web interface for wells fargo keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to Wells ' Fargo web user interface not being the friendliest. I plan to keep filing complaints every day until someone at Wells Fargo helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.
Consumer complaint received 2023-11-15
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)

This will be my last Complaint to inform the Credit Reporting Agency that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with If the Credit Bureau do not comply with the requests, it leaves me no choice but to pursue legal action. I need the listed account deleted as soon as possible : XXXX XXXX XXXX XXXX
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Fig Tech Inc. (TX)

Per the Company 's website, you need to have deposits of at least {$1400.00} a month, but on my account, my deposits from working were only {$1200.00} ( my income had recently dropped dramatically, and I didn't realize it due to medical issues ), and the other deposits were another payday loan and money I borrowed from family. They also state that you should have a positive account balance my account was negative $ XXXX, and last but not least, an excessive amount of overdraft fees XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX. I've been dealing with a lot of health issues, and my new medications at that point made it easy to miss things that I normally would catch on to but this is why its also up to the lender I certainly couldn't afford the loan then or now and they knew it.
Consumer complaint received 2024-06-06
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by XXXX have caused significant damage to my credit rating and have hindered my ability to obtain credit. 

Background : Account Closure Without Sufficient Proof : XXXX XXXX XXXX closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation. 
Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions. 
Incorrect Reporting to Credit Bureaus : XXXX XXXX XXXX reported late payments to the XXXX major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating. 
Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. XXXX 's failure to notify me of the account closure constitutes a violation of this provision.

Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. XXXX 's reporting of late payments, which are incorrect, is a clear violation of this requirement. 
Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations.

Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. XXXX may be civilly responsible and culpable for the damage caused to my reputation and financial standing.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2018-09-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK, LIED CONSISTANTLY TO ME. I TRIED AND TRIED AND TRIED TO HAVE THEM ASSIST ME MODIFY MY MORTGAGE, THEY CONTINUILY LOST THE PAPERWORK, AND MADE THE EXCUSE, THAT THE TIME ALOTTED TIME WAS OVER, AND THAT I NEEDED TO APPLY AGAIN. 

NO MATTER WHAT THEY TELL CFPB THEY ARE LYING TO YOU.
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (OR)

Dear XXXX XXXX XXXX XXXX XXXX, I am writing to officially file a complaint against Robinhood Markets Inc., a company that has garnered attention in the past for its controversial actions related to the restriction of trades on certain stocks and cryptocurrencies, including $ XXXX, $ XXXX, and $ XXXX. I find myself in the unfortunate position of having my XXXX account restricted for over a month, with the company displaying a concerning lack of diligence in addressing and resolving my issue. Despite my repeated attempts to resolve the situation through the provided channels, Robinhood has persisted in evading accountability and has failed to grant me access to my account.

My primary objective at this juncture is to liquidate the assets held within my Robinhood account, repatriate the funds to my designated bank account, and subsequently close my account with the company. My reasoning for taking such a drastic step is grounded in my deep concern that Robinhood appears to be engaging in fraudulent business practices. It is disconcerting to imagine the multitude of other customers who may be experiencing similar ordeals, enduring weeks of restricted account access, while Robinhood continues to reap the benefits of accumulating interest on these accounts.

To provide you with some essential information, my Robinhood account was established on or around XX/XX/2021, and my Account No. ( RHS ) is XXXX. The assets held within the account encompass a variety of cryptocurrencies and stock shares, as detailed below : Cryptocurrencies : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Stock Shares : XXXX : XXXX shares XXXX : XXXX shares XXXX : XXXX Share XXXX : XXXX Share XXXX XXXX XXXX Share XXXX : XXXX Share XXXX : XXXX Share XXXX  : XXXX shares XXXX : XXXX Shares In light of these circumstances, I earnestly request the intervention of the Consumer Fraud Protection Bureau. It is my fervent hope that the CFPB will demand Robinhood to promptly unlock my account, thereby restoring my access to my assets and funds.

The quality of service rendered by Robinhood has been nothing short of reprehensible, and I believe the company should be held accountable for its actions. Your assistance in addressing this matter is invaluable, as it is my belief that Robinhood Markets Inc. should be held accountable for their actions and practices.

I extend my sincere gratitude for your attention to this pressing matter. I trust in the Consumer Fraud Protection Bureau 's commitment to upholding consumer rights and ensuring a fair and transparent financial landscape. 

Sincerely, XXXX XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Consumer complaint received 2024-06-07
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CO)

I had all my loans under XX/XX/XXXX for almost 4 years, and then XXXX hits- all repayment pauses. After graduating from my educational program, I realized that have loans under the new plan " SAVE '' and a few other loans for some reason not under SAVE and in standard repayment instead. Called Nelnet and took 3 hours each time to get to the customer service. When asked why my loans are under different plans, they can not provide me an answer why and only told me that I can not change my plans under grace period. My interest is accumulating at the rate of almost XXXX per month. I really needed help. I had to re-applied for SAVE, and my application is already processed in XXXX XXXX, but until today ( XXXX XXXX XXXX ) Nelnet still says that my application is pending. Calling Nelnet has been a pain, no one is able to pick up calls and have to be on hold for 3-4 hours to get to speak to an representative. Even if I am lucky enough to speak to one they are not able to answer any of my questions. I think this is illegal/ incompetent if a financial institution is unable to answer my questions, that I can not communicate with about my repayment plans.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-07
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. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-06
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. (VA)

I filed a complaint to the credit bureaus regarding inaccurate items on my credit report. My complaint have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-06
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-20
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: Experian Information Solutions 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a violation of my rights. 

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 2024-06-06
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. (NJ)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.