davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (OH)

A credit card was opened in my name without my knowledge. Experian said they canceled it, XXXX XXXX said they canceled it and I got letters confirming all of this. It is still showing as an opened card on my account and I can not reach a human even when using there automated system for almost a half hour.
Consumer complaint received 2023-08-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Royal Pacific Funding Corporation (CA)

I suffered a hardship in which my VA benefits were reduced in error. This error led to my income dropping significantly benefits. This was due to appointments needing to be rescheduled due to the Covid-19 emergency in which. I also lost my brother and niece due to XXXX. Royal Pacific has forced me to go back and forth over the Loss Mitigation Application. Each time I corrected the information in the application to their specific request, they would state that there were more issues with the data. I have reviewed the application with Royal Pacific Fundings representatives, and each time I was informed the application and the corrections were complete. Each time I revisited the application, I went from top to bottom to ensure the application was completed and to the representative 's satisfaction. The errors were due to their representative informing me to change information. Each time I have asked if the application was correct and completed, the application would later be rejected, stating the information is incorrect or more documentation is now needed. These delays by their Loss Mitigation Department extended the process past the 30-day mark, and I was notified that it was now my fault and my home was placed into foreclosure. The delays are still coming, and I fear losing my house due to these tactics of delaying the application. In addition to this, my home loan was removed from my credit report, which made it impossible for me to refinance the home, and this has not been explained to me.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and have made this clear to this company. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that XXXX accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I know they have XXXX  days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the XXXX  letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over XXXX  days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Consumer complaint received 2023-12-21
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)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-12-04
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CO)

I was tried to transfer my phone numbers from XXXX XXXX to XXXX XXXX  who has a deal for people XXXX. 
They send me new phones with new phone numbers, I was unable to use new devices with my previous phone numbers, Phones are locked by XXXX XXXX and they want from me to pay for them when it was promise a label to return the devices. 
Also they said I didn't pay anything, I was charged {$56.00} from my bank account. 
I would like to open a claim for deceptive advertise and abusive practice for asking me to pay for something I didn't use. 
I think they use a deceptive and abusive practice without to provide the services I requested.
Consumer complaint received 2023-12-19
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)

I am a victim of identity theft and I have notice some unauthorized accounts and inquiries on my credit file that I demand to be blocked and removed immediately. I am providing all requests supporting documents to support my claim. 
TRANSUNION : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IN)

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 : account # XXXX XXXX XXXXXXXX : account # XXXX XXXX  XXXX : account # XXXX XXXX XXXX  : account # XXXX XXXX XXXX  : account # XXXX XXXX XXXX  : account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

XXXX XXXX XXXX ; XXXX He used XXXX name as XXXX XXXX XXXX and tried to sell a cello case for $ XXXX shipping. After PayPal transaction, he said he would wait to send the product. I cancelled the transaction and requested the refund but never received the refund. 

PayPal Transaction ID : XXXX
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. (IN)

On several occasions I have reached out to all three credit bureaus & the companies as well as collection agencies to try and resolve said issues. I have provided the companies and bureaus with not only medical documentation, but I have submitted everything to them to dispute and show proof these debts are not me. Since the middle of last year in XXXX I have reached out to them to get these situations settled and removed from my report and to stop the harassment, intimidation, excessive phone calls & letters. I am not sure what else to do at this point I do not know who did this and stole my identity & setup accounts but just cause the mail arrives at a certain address does not mean that person opened that account. I get mail at my address for a person who has never lived here so I am saying as a XXXX veteran who served this country honorably and someone who takes pride in their reputation I want these accounts and the adverse notes and scores inquires in all removed from my credit report and for the companies to stop calling and sending letters to me for credit cards, loans, and such things that I did not open and nobody in my home opened.
Consumer complaint received 2023-12-20
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. (CA)

I am an identity theft victim. I am writing to request that you remove the following items from my credit report. Each of the transactions I have identified were made by the thief, not by me. I never authorized, used, or benefited from these in any way. The following informing information needs to be removed from my credit report. 

Credit inquiries. 
XXXX XXXX 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 (CA)

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the permanent limitation imposed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been placed in error and I have not violated any PayPal policies or engaged in any unauthorized activities. 

Firstly, I want to emphasize that I have been a loyal and responsible PayPal user for a considerable period of time. I have always conducted my transactions in accordance with PayPal 's terms and conditions, ensuring the security and integrity of the platform. Therefore, I am genuinely surprised and disheartened by the decision to permanently limit my account. 

I kindly request that PayPal re-investigate my case thoroughly, as I believe this action was taken without a clear understanding of my account activity. I am confident that upon careful review, it will become evident that there have been no policy violations or any actions that warrant the permanent limitation of my account. 

My PayPal account is not only essential for my personal financial management but also for various legitimate business and personal transactions. Its continued suspension is causing significant inconvenience and distress. Hence, I respectfully request that PayPal considers restoring my account, allowing me to resume normal activities. 

I am more than willing to provide any additional information or clarification that may be required during this re-investigation process. I am fully committed to abiding by PayPal 's policies and regulations and ensuring the security of all transactions conducted through my account. 

In conclusion, I kindly implore PayPal to reevaluate my case with an open mind and to promptly communicate the results of this review. Your assistance in resolving this matter would be greatly appreciated, as I look forward to a swift resolution that restores my access to my PayPal account.
Consumer complaint received 2023-12-20
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. (PA)

Subject : Opt-Out Request per FCRA Dear Credit Bureaus I hope this letter finds you well. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am writing to formally exercise my right to opt-out of any and all authorization that may have been granted to XXXX XXXX XXXX XXXX. This opt-out includes any permissions, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . 

I appreciate your prompt attention to this matter and confirmation of the successful implementation of my opt-out request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

12 CFR 1022.24 - Reasonable opportunity to opt out.

CFR Table of Popular Names prev | next 1022.24 Reasonable opportunity to opt out. 
( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part. 

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means. 

( 2 ) By electronic means. 

( i ) The opt-out notice is provided electronically to the consumer, such as by posting the notice at a Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means. 

( ii ) The opt-out notice is provided to the consumer by email where the consumer has agreed to receive disclosures by email from the person sending the notice. The consumer is given 30 days after the email is sent to elect to opt out by any reasonable means. 
( 3 ) At the time of an electronic transaction. The opt-out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on a Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.

( 4 ) At the time of an in-person transaction. The opt-out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt-out preference or that requires the consumer to check one of two blank check boxes ; one that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.

( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice. 
XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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 (CA)

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

I firmly believe that this limitation was a result of a misunderstanding or mistake, as I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a severe action. 

Given the importance of my PayPal account in facilitating both personal and professional financial transactions, I kindly request that PayPal conducts a thorough re-investigation of my case. My primary objective is to have my account reinstated, allowing me to continue utilizing the services that PayPal offers. 

I am fully committed to cooperating with PayPal 's team during this re-investigation process. I am willing to provide any necessary documentation or information to help clarify any concerns and demonstrate my compliance with PayPal 's policies. 

I understand that PayPal 's commitment to maintaining a secure and trustworthy platform is paramount. However, I believe that a re-evaluation of my account 's situation will confirm that I am a responsible and law-abiding user. 

I kindly request your prompt attention to this matter. Restoring my PayPal account would greatly alleviate the inconvenience and disruption that this limitation has caused me. I eagerly await your response and hope for a swift resolution. 

Thank you for your time and consideration.
Consumer complaint received 2024-04-18
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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. (GA)

In accordance with the Fair Credit Reporting Act Account ( XXXX ), XXXX account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, violates 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 : States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-04-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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.