davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Hello, I would like to complain about PayPal Holdings , Inc. for a ) incorrectly conducting financial transactions resulting in charges to a wrong account, and b ) refusing to fix the issue after I reported it to the company. 

Specifically, I bought some services from a third party and used PayPal transaction system to pay for those services. I specifically selected my credit card ( a regular credit card issues by a major U.S. based bank ) as my payment sources. However, later I discovered that instead of charging my credit card PayPal used a different account to pay for those services. Specifically, the company used my PayPal balance. 

After I called the company on XX/XX/2018 at XXXX PST and talked to two support reps, XXXX and XXXX , and their supervisor XXXX , I was told that there is nothing PayPal can do to fix the incorrectly conducted transaction. 

I believe that any financial organization after being notified by a client about an incorrectly conducted financial transaction should remedy any mistakes made by cancelling incorrect transactions and conducting a new and correct transactions. Unfortunately, this is not the case with PayPal. 

I would appreciate if you can investigate this manner as PayPal is forcing consumers to use PayPal balance instead of external payment sources and doesn't notify about this before conducting transactions.
Consumer complaint received 2024-01-08
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You Must follow the consumer law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating XXXX  stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TN)

Dear CFPB, I am writing to file a formal complaint against National Credit System regarding their actions concerning account number XXXX The collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). According to my understanding of the aforementioned regulations, National Credit System has failed to
adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. National Credit System has not provided me with proper notification regarding the collection activities related to account number XXXX. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. National Credit System has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question. 

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. National Credit System 's actions have lacked transparency and accuracy, which is a clear violation of this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. National Credit System has failed to uphold this fundamental requirement.

I am hereby requesting that this account is deleted from my credit report.

Furthermore, if National Credit System believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification.

I trust that the Consumer Financial Protection Bureau will address this matter promptly and ensure that my consumer rights are upheld. Please keep me informed of any developments regarding this complaint.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

Below, I am attaching my original complaint with the XXXX  here in this text box. I am not going to give a terrible and unethical company like Wise the pleasure of having me re-type my main points out all over again. 

Original XXXX  complaint : " This complaint is in regard to a transaction that occurred on XX/XX/year> between myself and another XXXX named XXXX XXXX. XXXX XXXX signed a contractual agreement with me, and acknowledged that contract over text, which I can prove, assuring that in exchange for the money I was sending him, he would provide me XXXX marketing services that included things such as messaging leads for me and helping run multiple accounts. However, XXXX defaulted on this agreement, he provided an explanation at first, and said he would try to make things right soon, but then he ghosted and began ignoring me. Before he had began ghosting my attempts to reach out, he had followed up with me, offering me a refund if he was unable to complete these services but he has since not responded. Because of the contract, text acknowledgment, bank account details I can show he sent, and acknowledgment that he would refund me the money back, I believe Wise US Inc. should have to reverse the transaction and give me my money back immediately. Wise US Inc. was the facilitator of the transfer and has not been helpful at all in recovering my funds. If I had done this transaction on XXXX, with the amount of evidence I have, the case would have been closed in my favor by now, and I'd have my money. Instead, I am having to fight Wise to do something that I know they are capable of doing. They are not losing any money here, as they would be taking it from XXXX 's account, which continues to operate on the platform '' Effectively my stance and opinion on the matter has not changed XXXX iota. Ask XXXX different consumers if something similar has happened to them using this service, and you are likely to hear from dozens and dozens of people that Wise willingly helped defraud. This is patently ridiculous at this point that I have to fight this hard with a company to get them to do what they know is not only the right thing but also not difficult at all ; {$1000.00} to them is nothing, to a XXXX XXXX who is just trying to do right by his family, it's everything. Really take into consideration that Wise is willing to go to court over {$1000.00}. Does that sound like a company that should be doing business in the USA? 

If I have to, I will fight them, because I genuinely think people need to start standing up to companies like this. Please see below in the attached images. I will be attaching Wise 's snide response as well as some other images I submitted in my initial complaint that prove what I am saying to be the truth. Wise deserves to have an F rating with the BBB and be heavily regulated moving forward until they clean up their act.
Consumer complaint received 2023-05-02
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. (AR)

N accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy. 15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions it is illegal to have negative on credit report can cost between one and {$1000.00} per in fraction
Consumer complaint received 2024-05-11
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: NCB Management Services Inc. (TX)

To Whom It May Concern, I XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by NCB MANAGEMENT SERVICES. Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : 1. I have been trying to dispute this repo charge off my account since XXXX of XXXX with no help from the collection company. XXXX states that the repo charge off had a reported date from XX/XX/XXXX. Shouldnt all collection accounts be reporting accurately each month with updated information. Thats a violation and doesnt meet FCRA REGULATIONS. XXXX has the account charged off, {$18000.00} written off, with the last status being updated in XX/XX/XXXX. Thats another violation. Also on XXXX states that there was no data collected for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Thats another violation. 

XXXX. XXXX hasnt updated my account since XX/XX/XXXX. The XXXX history on XXXX hasnt been updated since XX/XX/XXXX. These are all violations that are intentionally hurting my credit. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to buy a house, obtain good credit. 

I have attempted to resolve this matter directly with NCB MANAGEMENT SERVICES, but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-20
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. (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 Number  : XXXX and 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 2024-04-20
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. (PA)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC (NJ)

Ive called and written letters to both XXXX and XXXX telling them that my address listed is wrong and has no association with me currently as per Fair credit reporting and that it needs to be changed to my current address. I sent them a copy of my current license and social security card via upload documents as well as bank statements. 

XXXX refused to change my address due to a derogatory account listed on my report by a third party debt collector to whom I have no contractual agreement with where my name is misspelled on the actual bill and I disputed twice with both the company and XXXX credit bureau citing that I have never had any public service bill in my name and that it was clearly fraudulent. Moreover, I did not live at the address during the timeframe of the bill statement
Consumer complaint received 2024-04-20
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. (TX)

I am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my XXXX attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. With this, I am asking for your assistance to remove these fraud items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.
Consumer complaint received 2024-04-20
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. (TX)

I noticed fraudulent accounts on my credit reports so I contacted the credit bureaus about it and requested an investigation. That was 60 days ago. They failed to investigate the matter and failed to remove the fraudulent accounts and provide the results of their investigation.
Consumer complaint received 2024-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-04-20
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. (MS)

I personally disputed how my was being reported to this credit agency. I only received one response and i was told they were not going to take any action from experian in which i was told they thought i was someone else.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CA)

I closed my credit card account in XXXX was issued another in account in XXXX. The account that was close had {$43.00} credit new account with renewal fee open at {$49.00} which never received the bill because I never access the card XXXX. First Progress reported I was 30 days late on {$49.00}, I called explaining that on the close account I have a {$43.00} credit. Can you please add it to the new account and I owe you XXXX XXXX they refused closed my account ruin my credit score I attempted to fax their fax machine for a goodwill adjustment. One of their employees stated their fax machine have been down from XXXX XXXX XXXX XXXX, and was re-working sometime in XXXX, I still have two bills that I just received in XXXX saying {$49.00} I owe one bill saying {$43.00} credit. They have ruined my credit I lost XXXX and something points and theyre continually reporting XXXX XXXX late on my credit report then they will re-reset and re-report a XXXX, XXXX I can not contact you because I do not have an open account. They are violating the FRC rules and I need to be compensated.
Consumer complaint received 2023-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.
Consumer complaint received 2024-04-20
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$950.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The social security number is wrong and belongs to my daughter named the same as me, but with different middle initial. The experian credit report will not change the report and it remains the same. When calling the reps take your information and can not be trusted to be confidential and they may keep your information to use later
Consumer complaint received 2023-05-19
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. (GA)

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Bank Account # XXXX has violated my rights. 

15 USC 1681 section 602A. It states that I have a right to privacy.

15 USC 1681 section 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card under an open end consumer credit plan late for any purpose.