davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I insist that your bureau undertakes a thorough investigation into this matter and takes immediate action to correct the inaccuracies in reporting. The late payment dates must be updated to accurately reflect the true timeline of my payments, ensuring a fair and transparent representation of my credit history. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
These inaccuracies not only tarnish my credit report but also have real-life implications on my ability to secure credit, loans, and other financial opportunities. I believe in the importance of accurate credit reporting, and I expect your bureau to uphold the highest standards in this regard. I request that you provide me with a written response detailing the steps taken to investigate and correct the inaccuracies on my credit report. Additionally, I urge your bureau to expedite the update of my credit report to reflect the accurate payment history without any further delay.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

I Have Already Made A Prior Complaint With The ( CFPB ) Against Midland Credit Management, And Their Repeated And Harassing Phone Calls To Me. Attempting To Collect A Debt That Belongs To My Sister. I Have Told Them Repeatedly That My Sister Does Not Live Here. That They Should Not Call Me At My Home. And That Any Future Communication Attempts By Them With Me, Should Be Done In Writing. But They ( Midland Credit Management ) Have Refused To Follow My Instructions. Calling Me Again Today. XX/XX/2019 My Sister And I Are  Estranged. Not That This Is Midland Credit Management Business.  And I Do Not Appreciate Receiving Repeated Phone Calls From A Credit Collection Agency, To My Home, For A Bill That Does Not Pertain To Me.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (DE)

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 Account XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2024-01-09
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. (NJ)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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)

Dear PayPal Support Team, I am writing to you regarding the recent blockage and limitation placed on my newly created PayPal account. I am reaching out to express my concern and seek a resolution as I believe there may have been a misunderstanding or an error in the evaluation of my account.

I understand that PayPal implements strict security measures to protect its users, and I appreciate the efforts taken to maintain a safe and secure platform. However, as a new user, I have not yet had the opportunity to engage in any transactions or activities that could potentially violate PayPal 's policies. 

I kindly request a thorough review of my account and clarification regarding the reasons for the blockage and limitation. I assure you that I am committed to complying with all of PayPal 's rules and regulations and would like to rectify this situation promptly. 

My registered email address associated with the affected account is XXXX. I kindly request all communication and updates regarding this matter to be directed to this email. 

I am more than willing to provide any additional information or documentation that may be required to verify my identity and ensure the security of my account. Please let me know the necessary steps I need to take in order to resolve this issue and restore full access to my PayPal account. 

Thank you for your attention to this matter. I greatly appreciate your prompt assistance in addressing and resolving this situation. Should you require any further information or have any questions, please do not hesitate to contact me. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
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: CITIBANK, N.A. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. This rating has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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: EQUIFAX, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 2024-01-09
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-09
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 contacted TransUnion stating that there was inaccurate information on my consumer file. IAs per the Fair Credit Reporting Act ( FCRA ), only inquiries made with a permissible purpose are legally acceptable. Unauthorized inquiries not only violate my privacy but can also adversely affect my XXXX XXXX. 

I kindly request that you initiate an immediate investigation into these unauthorized inquiries and proceed with their deletion from my credit report. This action is crucial to maintaining the accuracy and fairness of the information reported by your agency, as mandated by Section XXXX of the FCRA. 

Please provide a written confirmation once the unauthorized inquiries have been successfully removed from my credit report. Additionally, I request an updated copy of my credit report reflecting the corrections made. 

Your prompt attention to this matter is highly appreciated. I trust that you will handle this dispute with the urgency it deserves, ensuring compliance with the FCRA regulations.
Consumer complaint received 2024-01-09
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. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 2023-03-24
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: EQUIFAX, INC. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Inquiries
Consumer complaint received 2024-01-09
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. (MA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 2024-01-09
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. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (CT)

UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX I AM SO TIRED OF THIS BACK AND FORTH BETWEEN EQUIFAX AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA . CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS EQUIFAX TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND EQUIFAX WILLFULLY PERFORMS AGAISNT CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. EQUIFAX IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information.

Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! EQUIFAX IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES
Consumer complaint received 2024-01-19
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. (TX)

i have information that does not belong to me in my report and it is harming me, i want it to be removed from my history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated (CA)

XXXX served an address in XXXX XXXX ca for a debt that I am skeptical belongs to me because I was a victim of identity theft in XXXX. I was not aware of a judgement until they levied almost all of the money in my bank account that almost left me destitute and homeless. The money in the account was XXXX XXXX XXXX XXXX XXXX XXXX for cost of living. I would like to file an official complaint and let you know if theyre illegal practices. I resided at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ca. XXXX when they served a false address in XX/XX/XXXX.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-11-08
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-01-09
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2019-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial (WY)

As of today, XX/XX/XXXX, TWO ( 2 ) months since this account was PAID IN FULL, there have been NO refunds credited to our bank account. As per our communications up to this point, my wife and I have been told NUMEROUS times that : ( 1 ) The refunds have been submitted ( 2 ) the refunds have been approved ( 3 ) the refund requests had to be transferred to a new department as part of the merger ( 4 ) the refunds have been sent for approval ( 5 ) you should see the refund in 7-10 business days ( 6 ) you should see the refund in 5-10 business days ( 7 )  you should see the refund in 5-7 business days ( 8 ) we can not see anything past the refund being approved ( 9 ) there was only one refund approved, we haven't heard anything about a second ( 10 ) we see the second refund and have submitted it ( 11 ) the second refund has been approved. 
( 12 ) If you don't see it in your bank account by _______, please call us back. To which we have done. MANY, MANY times. 

We have gone through the process of verifying the bank account information, ( to which I am VERY aware that IF there was any issue with my banking information after the refunds had been sent, that your office would have received notification that the refunds were returned to your company. THIS IS NOT THE CASE. We bank with a credit union whom is local and they have NO RECORD of there being ANY attempts for your company to make any deposits into our account. Our payment information hasn't changed, our banking information such as the routing and account number have not changed. 

ALL of this communication has been documented on your end and MINE. I am in the process of having our attorney draw up some final paperwork as well as file a couple of complaints with the XXXX XXXX XXXX, the Wyoming Attorney General 's Office, and the Consumer Financial Protection Bureau. I expect at this point to see some results from your office and hear from someone TODAY. I have left you two voicemails to this point and am willing to leave even more. At this point, in my mind, this is considered FRAUD. 

You have also been emailed with no response as seen below. If you don't have the answers for us on WHEN we will be getting these funds owed to us, which, BY LAW, you technically have 7 days to return, then PLEASE GET SOMEONE TO CALL ME WHO CAN ANSWER WHY WE DON'T HAVE OUR MONEY. NOT your company 's money, OUR money. 

Again, for your reference, this is the balance owed to us : Payoff amount : {$1000.00} Pay off check : {$1200.00} Overpayment : {$200.00} Approved XX/XX/19. ( 13 DAYS ) Additional payment taken {$130.00} Refund balance {$330.00} SAME AMOUNT SHOWN ON MY PREVIOUS EMAIL Payment approved XX/XX/XXXX {$130.00} Approved XX/XX/19. ( 19 DAYS ) TOTAL OWED TO US {$330.00}