davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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)

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, TransUnion, XXXX 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 accurate.
Consumer complaint received 2024-06-18
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)

On XX/XX/XXXX my husband 's uncle sent me {$1000.00} us dollars on venmo and I immediately tried to put the funds on my bank account and venmo would not allow me transfer, remove, or send the funds or access it whatsoever and they then sent an email saying they were permanently deactivating my account and now I have no way to access my XXXXXX/XX/XXXX or send it back to my uncle!
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: Experian Information Solutions Inc. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc ()

I bought a ticket from XXXX to XXXX with XXXX on XX/XX/XXXX this year, and before boarding the plane, I wanted to ask the staff if I could buy the normal price of baggage allowance online or on the spot in addition to the difference in baggage allowance. The staff never replied to me, resulting in me having to leave the gate to ask other staff, which ended up causing me to miss my flight. Afterwards XXXX refused to pay for the damages and I lodged a complaint with pay pal who did nothing.
Consumer complaint received 2024-06-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I checked my consumer report and seeing that this company had my name and collections. I am not familiarized with this company. I asked them to telephone conversation to remove the fraudulent information on my credit report because I am not aware of what theyre talking about and under 15 US C1692C Im asking for them to remove this off my credit file.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MI)

I called Venmo regarding two pending transactions. Both charges are from XX/XX/2024 and XX/XX/2024. I was advised the transactions were pending because XXXX did not release the charges. I was advised to call XXXX. I immediately called XXXX that stated they would investigate the issue. On XX/XX/2024 that the charges were released for payment immediately and to call Venmo back and ask for a supervisor. I called on the XXXX XXXX, not speaking with a supervisor, but a specialist. This person was curt and flippant with me, indicating it takes 30 days for pending charges to drop off. I call back today, XX/XX/2024, speaking with a supervisor who stated he would listen to the call and transfer me to the correct department that could reverse the charges. After sitting on hold almost 5 minutes, the call was disconnected. I decided not to call back because theres many prompts in order to even get to a rep. I took to social media ( XXXX  ), and sent a message at XXXX EST to the support account. I have yet to hear anything as of the filing of this complaint. I also had sent an email on XX/XX/2024 and have not heard back via email either.
Consumer complaint received 2023-03-17
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

i have XXXX hard inquiries on my credit that wasn't done by me. called and reported as fraud and was told to make a report to ftc but ftc sent me to cfpb to make report
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Went to get an annual credit report from Eqifax online. Had an Error, Called Equifax on XX/XX/2024 at XXXX XXXX XXXX. Talked to Customer Service rep XXXX. Had to take a picture of my ID and self to identify myself. Everything went through. Asked about getting an online credit report. She said it was a discrepancy with the address on my ID and the letters that I been providing them with a copy of a bill from my current address. I asked her to transfer for me to someone else, XXXX said she couldn't. I asked her why because this is a customer service center. She was not able to give me a valid answer. I tried to resolve with Equifax several times, before filing a complaint Hung up called Equifax at XXXX XXXX XXXX on XX/XX/2024, pressed the appropriate # to submit a dispute since XXXX was not able to Transfer me the XXXX time. When I got to the dispute section on the phone, I was directed to a live person, who name was XXXX. I said that " it was interesting that I was routed to you again, and now you are able to transfer me to a supervisor. '' After that, she escalated my complaint and concern to her supervisor XXXX @ XXXX XXXX XXXX. I explained everything that was going on. She said that they have to send my credit report, to an address that I no longer live at. I told her that I been disputing items on my Credit report for the last few months, with supporting documents at my current address. All my letters also had my current address with current documents. The interesting part was, that XXXX was still able to explain what was getting disputed on my credit report over the phone, from items I disputed throughout the months of XXXX. How are my items still getting disputed every month, but there is an alleged problem with address? Does not make any since. Just got denied now I have to go to a third party and pay for a credit report. This is unfair and unacceptable,
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NC)

On XX/XX/XXXX, I chatted in the Discover app with an agent about getting an increase for my credit limit. I was told that no credit report was required for the credit limit increase. I was told that only the information I provided regarding my income and housing payment would be asked, and I assumed it was a factor for deciding the credit limit. I was denied an increase immediately and have not received any disclosure as to why. I have sent a letter asking for an increase of {$10000.00} for my credit limit as I know that Discover is able to do so with the access they have under federal law. I have been discouraged from applying for another card or another increase with Discover because of the events that have taken place.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I request the removal of this account, as it does not belong to me, and I'm deeply disappointed by its presence on my credit report. Based on FCRA 605B, this must be removed due to unfair and incorrect reporting.
Consumer complaint received 2024-06-18
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (LA)

I recently disputed an account with XXXX. It came back verified. They also updated some information. It is now showing as both an " open '' account as well as showing a " past due balance ''. Both of which, in my understanding, are violations of the Fair Credit Reporting Act. 

The account is question is with Credit Management. The amount is {$110.00}.
Consumer complaint received 2024-04-26
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 am known victim of identity theft. I have already reported this to the credit bureaus, the authorities and the creditors themselves. It has been almost a year now and the bureaus have really done nothing at all. They just ignore my correspondence and i know I did the process right, They are breaking the law and violating my rights. I really, really need help with this. It is ridiculous. They can't just ignore me when I do the whole process the right way.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$840.00} is on mine and my daughter 's credit and it was included on a bankruptcy last year. Case XXXX. I have requested XXXX and XXXX to take this off my credit report and My daughter XXXX XXXX credit, but they have not. Please see the attached document.
Consumer complaint received 2024-09-11
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
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. (TX)

I am contacting Equifax in regards to the recent response to my CFPB Complaint # XXXX. Equifax has investigated the account NATIONAL CREDIT SYSTEMS in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/year>, asking for verification of method of investigation. Equifax has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. I am disgruntled and demand Equifax to remove/delete the account reporting to XXXX XXXX XXXX as it is in violation with FCRA. Thank you,
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to express my frustration regarding the lack of action on the fraudulent accounts present on my credit report. Despite multiple attempts to dispute and submit complaints, I have not seen any progress in their removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your attention a serious matter regarding inaccurate reporting on my consumer file maintained by XXXX XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, it has come to my attention that XXXX XXXX has reported a bankruptcy on my consumer report, which does not exist according to the written letter provided by XXXX XXXX confirming the absence of such information. 

On [ XX/XX/2022 ], I received a written letter from XXXX XXXX confirming that there is no record of bankruptcy on my consumer report. This communication directly contradicts the information that has been reported electronically through the E-OSCAR system to the credit reporting agencies. As per the FCRA, inaccurate information must not be reported to credit reporting agencies, and it is imperative that any discrepancies are rectified promptly.
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (CA)

On XX/XX/XXXX I submitted a payment through XX/XX/XXXXXXXX XXXX XXXX XXXX for {$1600.00} Its XX/XX/XXXX and UNITED WHOLESALE MORTGAGE is letting me know that they never received the payment I contacted customer care who told me to send them a message, email and fax the proof of payment. 

Ive submitted the proof multiple times on XX/XX/XXXX, along with XX/XX/XXXX and again XX/XX/XXXX. 

I chatted with XXXX, XXXX and another representative on the phone. 

I submitted the documentation via email, fax along with upload on their website however, the team is unable to rectify this issue
Consumer complaint received 2024-09-11
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)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car loan open at XXXX XXXX XXXX, on XX/XX/2022, under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-04-26
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Credence Resource Management, LLC (CA)

The company Credence calls me everyday once a day without fail about a loan application for debt relief Ive never applied for, signed up, or provided any information. But they still call from a new phone everyday leaving me voicemail to complete my unfinished loan application. I cant block the number because its a new one everyday and the recording is a robocall voice so not a real person. I want the calls to stop, I have nothing in debt collections and I dont want to settle my debt. I want them to stop calling me. I have evidence of all their calls in my call log. I look online and theyre a scam company trying to help with fake debt collections. This has been going on for 6+ months now and it needs to stop.
Consumer complaint received 2023-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST CITIZENS BANCSHARES, INC. (WV)

On XX/XX/23 I signed a loan agreement with first citizens for equipment from XXXX XXXX XX/XX/23 I told XXXX XXXX XXXX  manager that I would like to cancel the loan he said the funds were already paid. On XX/XX/23 I sent a email to XXXX XXXX saying that XXXX would be refunding the funds and where should I send it, he replied with an email to send a ACH to XXXX XXXX and gave me the account and XXXX numbers. On XX/XX/23 XXXX haXXXXdware sent the funds and sent me a copy of the transaction I have informed XXXX XXXX of this but he said that he can not find the refund from XXXX XX/XX/23 I received a default email for my account on XX/XX/23 I paid XXXX since then I have sent numerous emails and voicemails and have not heard from XXXX XXXX. I have been informed by first citizens bank that I would still have to make my monthly payments. This money was sent to first citizens bank per their instructions and they will not accept that my loan has been paid
Consumer complaint received 2024-09-11
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. (NJ)

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 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 2024-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I recieved a phone call to call them back. When i called them back i was speaking to a representative of Evergreen Professional. The rep claimed I owed {$300.00} something dollars in medical debt for a service in 2021. I requested a letter detailing the medical debt they claimed I owed. The representative on the phone refused to have the information sent. According to the FDCPA, they are not allowed to refuse to validate my debt.