davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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. (PA)

I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. XXXX, XXXX and TransUnion are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (OR)

My repeated efforts to resolve the issue of false, incorrect, and misleading data on my consumer report have been unsuccessful. These inaccuracies continue to severely disrupt my life, causing substantial distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-16
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture XXXX  a XXXX, and a letter from of signed self-attestation for XXXX XXXX XXXX XXXX, which falls undeXXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my XXXX XXXX within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-31
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. (FL)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2023-12-19
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 (IL)

Type of Issue : Payment Pending with PayPal XX/XX/XXXX : We received email notification from PayPal stating, " You received a {$130.00} USD payment for your invoice '' from our customer. Relying on what PayPal told us, we shipped products to our customer at the address provided in PayPal 's email. The customer received the products by mail and is happy with them.

At no time did PayPal ever send us any email revealing that they had placed the {$130.00} in funds on hold. We discovered this by chance a month later when looking through old invoices, and discovered PayPal had changed the status to " payment pending '' without ever emailing to tell us that PayPal 's XX/XX/XXXX email was incorrect. 

We contacted PayPal, who told us more information is needed by the customer to complete the transaction ( PayPal refused to tell us what information is missing ).

Our customer said he provided all of the necessary extra information to PayPal. However, PayPal refuses to release funds it holding, or give a courtesy credit to our account ( we have done over {$70000.00} in other transctions with PayPal this year alone, with zero problems ).

PayPal employee " XXXX '' ( employee # XXXX ) told us today ( XX/XX/XXXX ) that we had somehow " misunderstood '' PayPal 's email stating that " You received a {$130.00} USD payment ''. XXXX claimed " you received a payment '' doesn't actually mean what it says. XXXX said PayPal would continue to hold our money until the customer gives them more information ( and again, PayPal won't tell us what information is missing ). 

XXXX also said PayPal doesn't need to send any follow up emails correcting their prior false email which we relied upon, since if we dig through the back end data in our PayPal account we can find that information. Bottom line : PayPal is keeping our money and thinks it did nothing wrong by emailing us that we had " received a payment '' and NOT ever taking any steps to notify us that the payment has been placed on hold prior to us shipping the products to the customer.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AL)

In XX/XX/XXXX, I requested all incorrect information to be removed completely from my Lexis Nexis credit profile. On XX/XX/XXXX, I received notice in the mail that my request was completed, however, some of the incorrect information such as names, addresses, jobs, emails, birthdays, and phone numbers was still on the report. I called within the same month and was told that the incorrect information was successfully removed. In XX/XX/XXXX, I requested an updated copy of my credit report and on XX/XX/XXXX, I requested the incorrect information to be removed again, it has not been removed. SEE ATTACHED
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals. 

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of 1026.13 ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TX)

On or Around XX/XX/year>, BMO Allowed a transfer to be sent external to an Old Glory Bank for an account I never added nor authorized any transfers to. It showed that account # ending in XXXX the Transfer was for {$460.00}. I never sent any transfers to this account, and I do not know who added the account nor made the transfer. However what I do know is that BMO Authorized a transfer of {$460.00} of my funds to this account. I did not receive any funds because that is not my account. That account was actually opened as a result of identity theft. BMO Knew that and allowed the account takeover when I found out I changed my password and tried to call in but BMO Told me I needed to speak to someone else in a different department and never transferred me. BMO Owes me a refund of {$460.00} I fully expect my refund for a transfer I did not conduct. I also asked for Both the Checking and Savings account to be closed. BMO Told me they would close the accounts as Consumer requested closure. However then they later tried to come back and told me its {$50.00} charge to close each account. I am not paying them {$100.00} to close an account I never opened or consented to. BMO Stole my funds in the amount of {$460.00} from a fraudulent transfer. BMO needs to properly investigate these charges, and BMO also needs to allow consumers to close their accounts should they wish without trying to charge them {$50.00} per account. I did not agree to any {$50.00} charges. These accounts were originally opened as identity theft as I stated Before. BMO Then proceeded to allow fraudulent transfers as mentioned above to someone elses account whoms I do not know. I do know that I want my funds back and BMO Can send the funds by Certified check.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On the night of XX/XX/XXXX, XXXX unused payments were made to my Capital One debit card account. I didnt purchased. 
XXXX is {$300.00} at XXXX and the other is {$410.00} at XXXX XXXX. Then my email saying they tried again to pay {$260.00} from XXXX but it was denied because my debit account didnt have enough money. The important thing is that someone has been continuously trying to make payments with XXXX XXXX and Capital One credit card for several months now. So I locked my credit card and deleted my XXXX XXXX. But I'm seriously worried that someone knows all my accounts. 
Please help me.
Consumer complaint received 2023-09-16
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. (AL)

XXXX XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from XXXX XXXX XXXX ( XXXX XXXX ) When I found out XXXX XXXX XXXX was closing I returned vehicle to dealer the vehicle was leased from. XXXX XXXX XXXX took possession of vehicle. XXXX XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

I am writing to formally dispute the ongoing inaccurate and misleading reporting of an Discover account, as reported to the major credit reporting agencies ( including but not limited to : XXXX, XXXX, XXXX, and XXXX ). 

The payment history provided by the credit reporting agencies shows Discover repeatedly reporting " Charge Off '' ( CO ) every month in XXXX and XXXX, despite the account being charged off in XX/XX/XXXX. A charge-off is a one-time event, and continuous monthly reporting distorts the actual history of the account. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers have a legal obligation to report accurate information, and this repeated reporting is both misleading and damaging. 

In a previous attempt to resolve this matter, Discover 's response states that the account was charged off, and the balance was written off, yet my report continues to show a past-due amount of {$1600.00}. If the debt has been written off as stated, there should not be an outstanding past-due amount. This contradictory information violates 15 U.S. Code 1681s-2 ( b ), as they are obligated to correct and update inaccurate information upon dispute.

Discover acknowledges the ongoing reporting of this disputed debt, yet refuses to remove the tradeline despite its inaccurate status. This constitutes defamation, as the continuous reporting of incorrect information tarnishes my financial standing, leading to denials of credit and financial harm. Under 15 U.S. Code 1681n, you are to be held liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and Discovers negligent actions have defamed my credit reputation. 

While Discover claims that the matter has been " thoroughly investigated, '' the continued reporting of false and conflicting information demonstrates otherwise. Under 15 U.S. Code 1681i, they are required to properly reinvestigate a dispute and correct any errors. 

Therefore, I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition, given the unlawful, negligent, defamatory, and willful actions and practices of Discover, XXXX, XXXX, XXXX, XXXX, and all other persons/companies involved in the reporting of this account, I request a compensation check in the minimum amount of {$1000.00}, payable to XXXX XXXX XXXX for the damages caused to my credit and financial standing under the following laws including but not limited to : 15 U.S. Code 1681n for noncompliance with federal law, 15 U.S. Code 1681o for failing to ensure the accuracy of the information reported which has caused consecutive credit denials and ridiculously high interest rates, 15 U.S. Code 1681i for failure to conduct a reasonable investigation into my disputes, and defamation for willfully and negligently reporting false information that damaged my reputation as a financially responsible and creditworthy person.
Consumer complaint received 2023-09-16
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)

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, 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 2024-09-10
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: Bridgecrest Acceptance Corporation (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (AL)

Westlake XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from American Car Center ( American Financial ) When I found out American Car Center was closing I returned vehicle to dealer the vehicle was leased from. American Car Center took possession of vehicle. Westlake XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (AZ)

I recently disputed inaccurate information on my credit report from this company that claim I owe a debit! Ive sent dispute letters several times asking them to please provide me with verifiable documentation that bears my Signature that states I owe them the debts they claim I owe, the Document that were provided to me did not bear my Signature in fact they provided me with an itemized print out of a statement which does not constitute debt verification, Per FTC opinion letter from attorney XXXX XXXX XXXX. I still have not received the documentation I formally ask them to provide me and they are still reporting inaccurate information on my credit report that keep get verified every time I dispute it.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (MO)

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( Opportunity financial ). Account ( XXXX XXXX XXXX XXXX  ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2023-09-16
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. (SC)

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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.