davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-27
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)

I am filing this complaint today against some credit reporting agencies that sharing my personal information without my consent. I have written them a letter saying that I do not consent with them having and sharing my information that they have received from financial institutions because that information is private. This is a violation of 15 USC 6801, 16 CFR 313 and the 1974 Privacy Act. These 3rd party agencies are sharing my addresses, telephone numbers and other personal information. I've called them to removed this information and sent them a letter to opt out and haven't gotten any cooperation. This issue has been affecting the way I do business and has been making it hard for me to receive anything for my family and household goods. I want my anything that has been reporting from financial institutions removed ASAP.
Consumer complaint received 2023-12-20
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)

Dear TransUnion Consumer Relations, I am writing to officially dispute the information contained in my consumer report, as provided by TransUnion. Upon careful review of my report, I have discovered undisclosed personal information about me that has been shared with a non-affiliated third party without my explicit written consent. This appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party raises concerns about my privacy rights, as I was not given the opportunity to opt-out, as mandated by law. 

Upon meticulous examination of the report, I observed that specific accounts are being reported without my written consent. It is crucial to clarify that my dispute is not with the creditor but with TransUnion for disseminating and reporting information without proper authorization. 

I refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. Presently, I have not granted such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to provide evidence of my consent could be interpreted as a violation of my rights under the FCRA. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this matter, and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

Pursuant to 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : 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  I affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding TransUnion 's method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that TransUnion adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Non-compliance with the provisions of the FCRA may result in further legal action.

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I tried to wire transfer {$25000.00} to my XXXX XXXX ( XXXX ) account in XXXX from my CitiBank account in the USA on XXXX XX/XX/2023. I called Citibank when I was unable to log into my account, spoke to a representative and they corrected the problem and was told to resubmit the wire transfer form. On XXXX XXXX XXXX they denied access to my account again so I called a second time only find out that they were closing my account do to suspected fraud after I was told by their Fraud Department that everything was good.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

PLEASE SEE THE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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 Balance : - XXXX XXXX Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that there has been a misunderstanding or mistake in this matter. 

Firstly, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I take my responsibilities as a PayPal user seriously and have made every effort to comply with your rules. 

I kindly request that you reconsider the limitation placed on my account and conduct a thorough re-investigation of my case. I believe that upon review, it will become evident that this action was taken in error. My primary goal is to continue using PayPal as a reliable and secure platform for online transactions. 

I understand that PayPal 's commitment to security and compliance is of the utmost importance, and I respect your diligence in enforcing these standards. However, I believe there has been a misunderstanding, and I hope for the opportunity to clarify any concerns that may have led to this limitation. 

I kindly ask for your prompt attention to this matter, as it has caused significant inconvenience and disruption to my financial activities. Restoring access to my PayPal account would greatly alleviate these challenges. 

Thank you for considering my appeal. I am eager to provide any additional information or clarification that may assist in resolving this issue. Please feel free to contact me at XXXX if you require any further details.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A person that I had long lived with opened several fraudulent accounts in my name, including with Bank of America. I did not know of its existence until a credit report was run. I then confronted the individual who opened the account. I have disputed the account with Bank of America directly multiple times now, but they are insistent the account is mine. I have requested information that convinces them of this, but they haven't done that. I filed reports with the local sheriff 's department, the credit bureaus, the FTC, and the FBI. By now, most creditors have acknowledged this and closed and deleted the fraudulent accounts from my credit reports.
Consumer complaint received 2024-03-27
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, Experian 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 XXXX compliance. Provide me with the XXXX 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. XXXX, Experian, 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 entitiesinvolved.
Consumer complaint received 2023-12-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (TX)

i was checking on my credit report, i saw XXXX accounts, XXXX LVNV FUNDING LLC {$3100.00} Open balance Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2023 {$1700.00} Open balance XXXX XXXX XXXX A Original creditor XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Last reported XX/XX/2023 {$1300.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor THESE Accounts shouldn't be in my credit report, at all, without my consent they gone to my personal details and addresses have expose my information to the XXXX web, i have received phone calls threating me for money and bank statements, 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any infomation relating to a consumer to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. 

First and foremost, I believe that this limitation may have been imposed in error. To the best of my knowledge, I have not engaged in any activities that violate PayPal 's policies or terms of service. I have always used my PayPal account responsibly and in compliance with your guidelines. 

I kindly request that PayPal re-investigate my case thoroughly. It is my sincere hope that, upon review, you will find no basis for the limitation on my account. I genuinely value the services provided by PayPal and the convenience it offers for online transactions. Losing access to my account has created significant inconvenience and disruption in my financial activities. 

I kindly ask for your prompt attention to this matter. Restoring my PayPal account would greatly alleviate the difficulties I am currently facing. I remain committed to using PayPal responsibly and in accordance with your policies. 

I appreciate your understanding and cooperation in resolving this matter. If there is any additional information or documentation required from my end to facilitate this review process, please do not hesitate to let me know. 

Thank you for your time and consideration.
Consumer complaint received 2023-12-19
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. (TX)

The Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting agencies handling responsibilities fairly, impartially, and with respect for privacy. XXXX and XXXX fall into this category, but I, as the consumer, assert my right to ensure that my private information is not shared, as supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. According to 15 USC 1681, neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies ( XXXX and XXXX ) have my consent to furnish this information. I revoke any previous consent, be it verbal, non-verbal, written, implied, or otherwise. 

Furthermore, 15 USC 6802 emphasizes that a financial institution can not disclose nonpublic personal information without explaining the consumer 's right to nondisclosure. The financial institution, in this case, failed to inform me of this right. Additionally, 15 USC 1681C restricts the inclusion of certain adverse information in consumer reports without permission, and my account is being reported adversely without my consent, which is a violation of the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, information should not be furnished to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and XXXX are not maintaining reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations. Furthermore, 12 CFR 1016.7 allows consumers to opt out at any time, and I am exercising my right to opt out of their reporting services.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have paid debt in full to lenders. The company has sent me a discharge letter in which I have sent to all 3 credit reporting agencies. All 3 agencies have yet remove this item off my credit report. I have sent letters and documentation to all three agencies regarding this matter with no solution.
Consumer complaint received 2023-10-29
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. (MS)

I think because of the paper reduction act. An fair consumer market an credit privacy policy. An me being a minority An lacking the knowledge of knowing. I was treated unfairly by credit companies. I was denied if I should of been approved. An that denial started a free fall of bad credit. I have been denied an treated unfairness.
Consumer complaint received 2024-03-27
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. (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. 

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 and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been 60 days and you are in VIOLATION of this law, since I am a victim of identity theft. Please delete these items as soon as possible!

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 INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. ACCOUNTS : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX. INQUIRY : XXXX XX/XX/
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have attached the information with my opt-out notice to XXXX XXXX  XXXX XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, Transunion, and XXXX. XXXX  XXXX XXXX has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, Transunion, and XXXX
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I would like to emphasize my belief that this limitation may have been imposed in error. I have always strived to abide by PayPal 's policies and guidelines diligently, ensuring that my account activities remain in compliance. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action.

In light of the above, I kindly request that PayPal conducts a thorough review of my case. I understand that errors can occur, and I am hopeful that upon re-examination, you will find that my account should not have been permanently limited.

I kindly ask for the opportunity to provide any additional information or documentation necessary to support this appeal. My goal is to resolve this issue amicably and regain access to my PayPal account.

I genuinely value the services provided by PayPal and have always considered it a reliable platform for my financial transactions. It is my hope that we can work together to rectify this situation promptly.

Thank you for your attention to this matter. I eagerly await your response and any instructions or steps required from my end to assist with the investigation.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-19
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. (TN)

Transunion is in violation of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization