davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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. (GA)

I opened a complaint through cfpb against Transition because they were violating me by furnishing incorrect information on my credit report. I asked called in numerous of times asking them to delete the incorrect names, and account they are reporting and they refused I got a letter in the mail from them stating the accounts were verified. I called in to ask for revalidation and was denied. I then asked Transition representative how was the debt validated? what steps were taken and can proof be mailed to me of validation on the their part or the companies part who's giving this wrong information and I got no answer. I need to see the validation documents in which Transunion allege deems to be correct as they are still reporting these active accounts onto my credit. I am being physically drained, mentally stressed and financially impacted by these negative items on my report. I am asking that transunion mail me copies of the validation they got from the company XXXX XXXX XXXX XXXX. If proof can not be furnished these accounts need to be deleted from my report. I am also asking for info on arbitration with transunion.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 15 USC 1681B. Permissible purposes of consumer reports XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 1681n. Civil liability for willful noncompliance XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation.
Consumer complaint received 2024-01-23
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)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-23
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 have reported identity fraud to all 3 credit reporting services. 
Transunion : 6 hard inquires *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making a complaint for a few reasons. The first is that Transunion is reporting things that are not mine. I have reported to them numerous times that someone has gotten ahold of my information and they are reporting inaccurately. I have also called in multiple times to all three bureaus to let them know that they are all reporting different information. 

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

It is my understanding per 15 usc 1681 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (IN)

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 knowns or has reasonable cause to believe that the information is inaccurate. 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

hello how are you doing i have spoken XXXX XXXX from XXXX of XXXX he told me he had nothing to do with decision that was made and i tried calling the other dealers but no answer so now its on you to veto that decision you had made if you don't veto this decision i will take the next step to file a federal complaint to resolved this decision you have ten days 10 to veto this decision and also request the reporting agencies to delete all the hard inquiries on my credit file and i will be holding you personally liable for the unauthorized use of my credit card.
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$7400.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WI)

PayPal held my funds for 180 days, concluding on XX/XX/year>. Following the expiration of this hold period, I attempted to withdraw my funds in accordance with PayPal 's instructions, transferring them in sequence to my linked card and apart from withdrawing my funds as instructed by paypal, no other transaction occur on the account. To my surprise, on XX/XX/year> my account was once again restricted, with PayPal citing a purportedly high level of risk associated with my account. This action contradicts PayPal 's previous assurance that my funds would be released after the 180-day hold period. 
After filing a complaint with CFPB. On XX/XX/year>, I received a check from PayPal in the amount of {$14000.00} which is the remaining balance in my account with PayPal. I immediately went to deposit the check into my bank account on the same day, as any responsible recipient would. 
However, to my disbelief, on XX/XX/XXXX, just two days later, my bank informed me that the check had been returned due to a stop payment request initiated by PayPal. I do not understand why PayPal would issue a check only to request a stop payment on it shortly thereafter. I will attach a screenshot from my bank confirming the return of the check for your reference. I urge PayPal to rectify this situation immediately by reissuing the payment without any further delays or disruptions.
Consumer complaint received 2024-01-23
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. (NV)

I recently checked my credit report with Transition, XXXX, and XXXX. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. Transition, XXXX, and XXXX have not removed these inquiries. 
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.

Also, 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 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CT)

NAVY FED YOU ARE HEREBY PLACED ON NOTICE OF A REQUEST FOR ACCOUNTING INFORMATION UNDER G.A.A.P. WHICH ARE RECORDS DEMANDED BY FEDERAL LAW TO BE MAINTAINED AND UNDER F.A.S.B. ASWELL UNDER UNIFORM COMMERCIAL CODE 9-210. ALL THAT NEEDS TO BE SAID IS IN THE NOTICE I AM FILING THIS COMPLAINT TO MAKE THE CFPB AWARE OF MY NOTICE TO HOLD YOU ACCOUNTABLE THROUGH THE CFPB SO YOU SO CHOOSE TO IGNORE IT. I HEREBY EXERCISE MY RIGHT TO RESCISSION AND RESCIND ANY AND ALL POWER OF ATTORNEY AND SECURITY INTEREST YOU HAVE ASSUMED ON MY BEHALF BY UNKNOWING CONSENT DUE TO YOUR T.I.L.A VIOLATIONS IN NOT PROPERLY INFORMING ME OF THE TRUE NATURE AND USE OF CREDIT. NOTICE THE PHYSICAL COPY OF THE DOCUMENT PROVIDED HERE WHICH WAS SENT CERTIFIED MAIL IS IN FACT NOTIRIZED AND IS NOW A LAWFUL DOCUMENT WHICH WILL BE USED AS IN EXHIBIT INCASE MATTERS SHOULD ESCALATE. YOU HAVE REFUSED TENDER OF PAYMENT ON MY ACCOUNT AS PER ELECTRONIC FUNDS TRANSFER ACT, BILLS OF EXCHANGE ACT AND UNIFORM COMMERCIAL CODE. NAVY FED HAS ALSO DISCRIMINATED AGAINST ME BY DENYING ME A GRANTED RIGHT TO CREDIT WHICH IS AN ALIENABLE RIGHT AND A VIOLATION UNDER EQUAL CREDIT OPPORTUNITY ACT BY SHUTTING DOEN MY CREDIT ACCOUNT. I DEMAND YOU PROVIDE ALL INFORMATION REQUESTED IN MY NOTICE WITHIN THE ALLOTTED TIME FRAME. FAILURE TO DO SO WILL RESULT IN WILLFULL NEGLECT AND IN PRIMA FACIE EVIDENCE OF COLLECTION BY FRAUD.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: OneMain Finance Corporation (CA)

After do a loan Modification during a rough time, I have paid off all balance besides the forgone balance which was pushed to be due at the maturity of the loan in XXXX. Did not make any payments for a year because balance was shown at XXXX now all the sudden in XXXX of XXXX my account now says balance of XXXX cents, and I would receive calls stating I owed XXXX dollars or XXXX dollars, always a different number. My credit report on XXXX page says account paid in full and XXXX page says balance is {$1.00}. Can't get a direct answer from anyone and all employees answers are different. They have now reported me 30 days late in XXXX and XXXX or XXXX when my remaining balance clearly states it is the forgone balance that is due at maturity of the loan, which is XXXX. I have requested copies of loan mod documents, but they are not willing to Produce them for me. I feel the late marks on my credit are in necessary and I need XXXX answer of what is expected since each person and report and statements all have different information.
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NY)

I have been getting numerous late payment fees even though you can clearly see in my payment history that I have paid OVER the amount due. I am now paying for late fees that are invalid. I can not speak to anyone because the customer service phone number doesn't work. I honestly feel like they are being shady and not following proper protocols. 

When calling their customer service the robotic AI fails every single time no matter what options I pick and XXXX XXXX 'm sorry I'm having difficulties visit our website for information ' and hangs up the phone.
Consumer complaint received 2024-01-23
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Collection Entry on Credit Report Dear Sir/Madam , I am writing to formally dispute an inaccurate entry listed on my credit reports with your agencies. The details of the discrepancy are as follows : Creditor Name : CREDENCE RM Account Number : XXXX Reported Status : Open on XXXX, Closed on XXXX Date Opened : XX/XX/year>. Date Last Reported : XX/XX/year> I do not recognize this account and believe this to be an error. The inconsistency between the XXXX reports and my lack of recognition of this account suggest a reporting mistake or potential fraud. 

In accordance with the Fair Credit Reporting Act, I am requesting that this entry be investigated and, unless it can be verified as accurate, be removed from my credit report. Enclosed are copies of my credit report pages showing the disputed item and any relevant personal identification needed to verify my claim. 

Please confirm receipt of this letter and inform me of the outcome of your investigation. I expect a response within the statutory timeframe of 30 days. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (SC)

Hello, A XXXX  worker has stolen my identity with documentation that is a false diagnosis. He is sabotaging my accounts, returning payments and maxing out my credit cards. He is trying to give me fake balances, he has stolen all debit cards and credit cards. He has become a severe threat to my identity. 

XXXX XXXX XXXX XXXX XXXX : {$390.00} Returned loan payment Navy Federal Credit Union- Debit card changes/ Bank Stalking
Consumer complaint received 2020-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (AL)

My account was terminated and now I can't get my account to cash out. The original debit card that was used in the setup of the account was stolen and Cashapp will not allow me to link any other card with the account to let me cash out. I have over {$400.00} that I need but have no way to access it. I have asked them repeatedly to fix the problem and the only response I get is to go to their website and send in a question which has been done multiple times. I really need to know how to resolve this issue so I can get my money and be done with it.
Consumer complaint received 2024-01-23
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. (FL)

Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

on XXXX XX/XX/2024 phone phone was called from XXXX ( navy federal number ) informing there had been fraudulent activity on my account. I provided verification info but not my full account number or my full SS # just last 4 and mother 's maiden name. I later determined I was a victim of fraud and immediately called Navy Federal. Initially Navy Fed credited my account. I received a letter today stating they made final determination and no error occurred. 
I called Navy Federal to determine next steps and i was read a statement stating I was an active/willing participant in fraud. This information was not noted in my letter. When asked how I could appeal, I was told I could only request the claim be reopened only if I had new evidence. When asked what evidence they used to make their determination, I was told I could only obtain that information with a subpoena through the court. 
Their finding is unclear because while a total of {$9000.00} was stolen from my account in what they call an " Account Takeover '', they only reversed {$4800.00} in credits. and while they falsely accused me of fraud, they did not close my accounts.