davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (NC)

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 Account # XXXX Account name : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct. XXXX, XXXX XXXX XXXX Acct . XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX  Acct, XXXX, XXXX XXXX XXXX XXXX Acct. XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX  XXXX Bankruptcy Discharge Acct # XXXX has violated 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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13
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. (TN)

I contacted them to remove XXXX XXXX XXXXXX/XX/XXXXXXXX This account was opened by a family member, and I have since paid the account off. I was told by the company that it would be deleted by paying per delete, yet it still appears on my XXXX and TRanUnion reports. I keep sending letters and getting no response on this matter. It is impossible to reach them by phone I want this removed Immediately, it is causing injury to my way of life and I am not able to be approved for things that will enhance my way of life
Consumer complaint received 2023-09-20
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the del accounts listed IMMEDIATELY!
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the del accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (SC)

TrueAccord Account Number:	XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Consumer complaint received 2023-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

Hello, I had no choice but to close my sale and loan to avoid foreclosure. I am not going to give up on my complaint to Real Time Resolution. As you can see in my prior letter they would not work with me when there are so many mortgage companies that have to work with borrowers when they are unemployed and can not find employment and as of today I am still unemployed and living on the street out of boxes. Again I was willing to pay them the principal balance of {$140000.00} and they would not budge so I am requesting that they pay me back the interest and all fees that were included on the final payoff. If they would have sent me a letter that they are the new 2nd TD holder I would have paid them and they never sent me anything as well as monthly payment coupons. Please help me get my money so that I no longer have to live on the streets and die of starvation and possibly be harmed. I sent you another letter by mistake and didnt realize that this is where I was supposed to re send a new letter. My phone number is XXXX XXXX XXXX and my email is XXXX Thank you and I look forward to be hearing back from you , XXXX XXXX
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (FL)

XXXX XXXX Innovis continue to report incorrect information on my consumer file. They are several name variations and addresses that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-08
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. (NV)

I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed XXXX bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and XXXX bank directly, they have not responded to my requests and have not removed the incorrect information.
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

I used PayPal to make installments to an organization throughout XX/XX/2023 for a retreat that was supposed to take place the final weekend of XX/XX/2023. On XX/XX/2023 the organization notified me that they were canceling the retreat and refunding all payments made for the retreat costs. I tracked the refunds and after I received only two emails confirming refunds, out of the four payments that I had made and on the fifth business day ( XX/XX/2023 ) I only received one refund ; I called PayPal to inquire where was the other refund that I had received a notice about and where was the notice for the other two payments. The representative that I spoke with repeatedly claimed that all refunds were pending and would be issued by end of business that day. Not only did this not happen, but I only received a notice for only one more refund and two of the three remaining refunds were not processed until XX/XX/2023. It has now been two weeks since the organization initiated the refunds and I still have not received the final refund. This is in spite of the representatives claims and outside of the terms according to PayPal. The funds were processed from my checking account so it is not an issue of refunding back to a source that could take up to 30 days.
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I received a {$50.00} AMEX prepaid card as a gift. Allegedly, this card can be used anywhere accepted by AMEX, but to-date it's been declined everywhere I've tried to use it without exception. 

As it stands, AMEX is now keeping {$50.00} from me, after having taken it from the person who purchased this for me as a gift and the card apparently entitles me to nothing. I just want to use the money on the card- the card that was paid for with actual legal tender.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

I attempted to make an XXXX dollar payment to paypal XXXX XXXX on the paypal app XX/XX/2024. After the first attempt my screen was white, I tried again for XXXX same thing, again I tried for XXXX nothing. I logged onto the computer and paid XXXX which worked. The XXXX was the ONLY thing showing in my pending payments. The NEXT day the XXXX went through with my bank and all was well. On the XXXX the 3 failed payments suddenly went through absolutely putting me into the negatives. How did this happen especially says later? XXXX was able to get one payment back from me but this put me in a horrible spot financially. The worst part is I was charged a returned payment fee. On the XXXX, 2 of the XXXX payments were returned due to insufficient funds.A WEEK LATER the 2 XXXX were taken out again without permission. Bank has continued to ignore XXXX on matter.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened my first credit card with Chase Bank in XXXX and added a handful of other credit cards with Chase Bank over the years. In mid XXXX, Chase Bank closed all of my credit card accounts without warning. I found this out as I was mid-purchase, and had my credit card declined. And then my backup cards declined. Chase Bank never provided an explanation for their actions. I managed to get an email to XXXX XXXX 's office directly ( a friend and venture capitalist provided his direct email ). I asked for my accounts to be reinstated, and for me to be given an explanation as for why they were closed. XXXX XXXX 's office did respond : they refused to reopen my accounts, and informed me that I was not owed a response. 

This wasn't just an annoyance : my credit score dropped over XXXX points as as result in the radical change in my " age of credit. '' All of my oldest credit cards were with Chase Bank. I had been a loyal customer for decades. Once that credit history was gone, my credit score suffered. 

I do think I figured out what happened. I am the CEO of a nonprofit called XXXX. XXXX formed in XXXX, and had a fiscal sponsor for XXXX and much of XXXX. Our fiscal sponsor was called XXXX XXXX XXXX, and XXXX 's bank accounts were at Chase Bank. I was listed as an " owner '' on those accounts. The FBI arrested XXXX XXXX, the CEO of XXXX XXXX XXXX on XXXX XXXX XXXX, for wire fraud and embezzlement. You can learn more about XXXX XXXX here : XXXX XXXX XXXXXXXX The FBI briefly thought I had been involved in this crime. After speaking to me for hours, the FBI reclassified me as a victim in that case. I spent much of XXXX providing documents to the FBI to assist in their case. The FBI is clear that I am not a criminal. 
Chase Bank, however, continues to treat me as one. Not only did they close my personal credit cards, but they also closed my company business accounts, even though my company ( VoteAmerica ) was completely independent of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX by the time XXXX was arrested. 

I would like for Chase Bank to reinstate my personal credit card accounts. While I remain annoyed that they closed my business accounts, I was able to reestablish those accounts at XXXX XXXX.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (NV)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2024-04-08
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. (TN)

In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of conviction of crimes which antedates the report more than seven years.

U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-08
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. (NJ)

I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. 

However the credit bureaus said the completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation? This is considered fraud and against the law.
Consumer complaint received 2024-04-08
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.