davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (GA)

I took out a HELOC in XXXX with XXXX XXXX XXXXXXXX and filled for XXXX XXXX and was discharged XXXX. I have not heard a word from XXXX XXXX XXXXXXXX. XX/XX/XXXX I find out the house house is being foreclosed. I spoke with XXXX XXXX doing the Foreclosure. They informed me that the Company filing the foreclosure is SLS. I contacted them and the informed me they bought the loan in XXXX. They also told me they were mailing to my old address back in XXXX. I asked them why they did not also mail to the property address. They could not answer I need to stop the Foreclosure for XX/XX/XXXX. I was never notified by XXXX XXXX XXXXXXXX that they sold the loan. 
There is a First on the Property of almost {$600000.00}
Consumer complaint received 2023-07-15
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. (DC)

The company XXXX has closed a complaint I have put in on XX/XX/2023 today, XX/XX/2023 stating I opened a loan and didn't reached out to them, which is a complete LIE!!! I have sent emails stating the police report number letting the company the it will be weeks before the report is generated. I am going to continue to send complaints until this resolved.
Consumer complaint received 2023-09-16
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. (OH)

I currently have Three accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I have charge off and paid off accounts the have been paid off. Late payment information of account that I no longer have in my possession. Accounts I don't or didn't open in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I am a customer of Coinbase. Coinbase is a licensed and registered financial entity based in the United States, Coinbase is obligated to follow regulations, rules, directives, etc., enforced by its regulators ( depending on the jurisdiction ) and other law-making bodies. These include following proper KYC policy, abiding by the XXXX XXXX, and complying with government AML/CTF obligations and responsibilities. Information was sent to Coinbase about an unpleasant incident that involves fraudulent activities conducted by the XXXX company. They convinced me to open a Coinbase wallet to make an investment in the form of cryptocurrency. According to them, I could only deposit to my XXXX trading account through crypto which is why they needed me to open a Coinbase wallet. I then wired from my XXXX XXXX bank account to my Coinbase account which I converted into crypto USDT. From my Coinbase wallet, I was instructed by the scammer to send crypto to wallet addresses provided by them. All in all, I withdrew a total of approximately XXXX USDT over three transactions listed below : - Crypto transaction 1 Amount : XXXX USDT Date : XX/XX/2023 - Crypto transaction 2 Amount : XXXX USDT Date : XX/XX/2023 - Crypto transaction 3 Amount : XXXX USDT Date : XX/XX/2023 As the transfer of cryptocurrency involved my Coinbase wallet, I informed Coinbase that I was able to trace and determine the wallets that were used by scammers to siphon my money. To my surprise, the recipient wallet addresses are unknown and not registered as KYC wallets on any crypto platform. I was under the impression that crypto xchanges like Coinbase are bound to comply with the XXXX XXXX rule which clearly states that VASPs are required to gather sufficient information about the sender as well the BENEFICIARY of a transaction. It is very obvious that Coinbase never investigated the beneficiary wallet address or the owner of that wallet and let the transaction take place without any monitoring. I attached screenshots of the tracing of the fraudulent transaction from my Coinbase wallet along with diagrams as proof that transactions leaving Coinbase are indeed fraudulent. Hence, I urged Coinbase to investigate the matter and trace my funds ultimate destination to apprehend the criminals for this financial crime. I am also of the opinion that Coinbase has neglected me as their customer and allowed me to engage in risky transactions which also makes them liable for my loss and responsible for sufficient compensation.
Consumer complaint received 2023-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (CA)

I took out an {$88.00} from possible finance and set up automatic installment payments to boost my credit. The payments were {$22.00}. They processed all but one payment automatically. I attempted to make a payment manually but I continued to receive a pop that stated to try again. This went on for a while. They then negatively reported the payment late to the credit bureaus and my credit score decreased by 56 points. 
I contacted them letting them know I attempted to make the payment but it was their system that failed. 
So here I am once again attempting to make a payment for the last {$22.00} and their system WONT take it. The message I get basically states to try again and apologizing for the inconvenience. 
This is a problem on their end. They have no phone, only an email. I emailed them about but receive no response. Yet they send me automatic emails stating my account is default. The reason why Im default is because THEIR system is faulty.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}, XXXX XXXX Balance : {$20000.00}, XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

Hello, I'm reaching out about the Wells Fargo account. I am not pleased with the results. I am not asking for accuracy if the account but for it to be removed. Remove the account. It is not collectible. Remove it. 

Thank you
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX : XXXX CARD ENDING IN XXXX XXXX XXXX XXXX XXXX CARD ENDING IN XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Consumer complaint received 2023-12-13
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)

My PayPal  account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for XXXX  days. 

I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. Just tell you whether it is a risk account or it can not be lifted, so it is a big disaster for our normal sellers. I have been using this account for some time and always work in good faith and comply with all policies and user agreements stated and in my Agree when registering an account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 


Reference ID : XXXX PayPal Merchant lD XXXX
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (GA)

In accordance to the Fair Credit Reporting Act Account XXXX XXXX XXXX # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2020-05-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Referenced accounts USAA SVG BK XXXX 16 CFR 313.4 -- Initial privacy notice to consumers required ( 2 ) A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15. " I was not given an option to Opt-out '' 15 U.S. Code 1681a - Definitions ; rules of construction ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( or similar device covers everything ) 28 U.S. Code 1746 - Unsworn declarations under penalty of perjury I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/2023. 
XXXX XXXX.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

My account should be secured but its not. This is the second time that my money was stolen from my account within months on XX/XX/2023 money was stolen from my account from my bank thats in Illinois and I live all the way in XXXX so I am confused on how this can happen, I sent all the information that they needed to prove that it wasnt me and I have no business with this bank in Illinois is frustrating because I work hard for my money and my money was taking within minutes and I have to go through a long process just to get my own money that I worked hard for.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consider this as my follow-up request. I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (CA)

I have my payroll deposit funded through my XXXX prepaid rewards visa. The prepaid card offers a reward of one point per dollar spent and some occasions two times and three times points earned. Each point they state is earned per dollar spent. The prepaid card pays out rewards quarterly and there must be a minimum of XXXX points earned. That would equate to {$5.00} in XXXX rewards. 
Last quarter, XXXX through XX/XX/2018, once again the company shorted me on my rewards. I downloaded and calculated each months statenent. I should had been awarded XXXX points which equals {$83.00} in rewards. 
I was only awarded {$19.00}. A major shortage of {$64.00}. 
I continue to call the customer service number and continue to get the run around
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I wish to file a complaint against PayPal. Here are the details of my dispute with PayPal : 1. On XXXX XXXX I did a search on PayPal for XXXX XXXX, to whom I was to send payment for materials for my workshop. Only one XXXX XXXX came up, and there were no other details that could have helped ascertain that this was the correct XXXX XXXX. 
2. Unfortunately it was not, and I notified PayPal within 7 hours, while the transactions still pending, that I had sent the money to the wrong person. This is an option on PayPals dispute page. 
3. The following day I sent payment to the correct XXXX XXXX. And notified PayPal, requesting that they be aware of the fact that there are TWO XXXX XXXX and that their search engine only brought up one. I asked them to please return the payment, as it was still pending.

4. Yesterday I received a notice from PayPal that my case was being closed because XXXX XXXX ( the wrong one ) had received the payment. No mention was made of any investigation into the fact that the money was sent to the wrong person, and that I received no materials in return for the payment. PAYPAL DID NOT INVESTIGATE THE DISPUTE BASED ON THE REASON GIVEN THEM FOR THE DISPUTE. 

These are PayPals details for the dispute : Transaction Date : XX/XX/2023 Payment Amount : XXXX XXXX Recipient : XXXX Transaction ID : XXXX Case Number : XXXX Thank you, I am a XXXX XXXX XXXX XXXX XXXX, pipe organs, violins, and early pianos. I can not afford to lose {$400.00}.
Consumer complaint received 2023-08-29
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. (CA)

XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus XXXX, XXXX, and TransUnion without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While TransUnion lists one late payment, XXXX indicates two, and XXXX reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (GA)

My student loan account reflects inaccurately reported late payments. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, which mandates accurate and fair reporting of consumer credit information. Additionally, this inaccurate reporting negatively impacts my creditworthiness.

Relevant FCRA Provisions : I wish to bring to your attention the FCRA provisions that support my complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section requires furnishers of information to credit reporting agencies to provide accurate and complete information.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Order number XXXX. 
Refrigerator not delivered, out of delivery radius. 
Charged for item anyway. 
Cancelled order XX/XX/22. 
Been disputing this with Lowe 's and Synchrony Bank to no avail.

I did not receive the refrigerator and did NOT SIGN for it.