davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2023-06-21
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. (CA)

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 602A States that I have a right to privacy.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (WA)

Paypal emailed me saying that my account... 

We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. 

Based on the information we have today, it looks like customers were dissatisfied with activity from this business. 

Last time I received money on my account was XX/XX/2022 selling physical cards to a person in the US. They closed my account and refuse to open it and said it was for reasons that I am not party to.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance XXXX {$940.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$1300.00}.
Consumer complaint received 2023-10-10
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance XXXX {$940.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$1300.00}.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

In my sixth endeavor to resolve this matter, I want to emphasize that this marks my fifth attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-10
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MO)

On XX/XX/XXXX, I went to the bank and made a deposit of XXXX XXXX and XXXX XXXX dollars but through out the process I filled out the deposit slip and unnoticedly only wrote XXXX XXXX and XXXX XXXX dollars but the teller didn't give me the XXXX XXXX dollars. So the next day I checked the bank account and the deposit was wrong and I went to the bank and they told me that they cant do anything right now and told me to come back in 3 weeks. So I came back in 3 weeks and they said that the deposit was only XXXX XXXX and XXXX XXXX dollars so I demanded the look at the video tape so they refused to show me the tape. So I called the police and I told him can he help me look at the tape and he disrespectfully said he don't have to do that because the bank told him that the deposit was only XXXX XXXX and XXXX XXXX dollars. He also said that I stole the money and give it so someone else and blamed it on the bank but its my money so why I have to steal it. I want to see the tape because I know for sure the the deposit was XXXX XXXX XXXX XXXX and not XXXX XXXX and XXXX XXXX dollars.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

* Dear Sir/Madam, This letter serves as a formal demand for validation and verification of the debt on my credit report from University of XXXX . I am requesting that you provide me with all original documentation from the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, to prove the validity of this debt. I challenge the legality of the debt sale without written permissible purpose, citing 15 USC 1681 and any relevant subsection. 
Additionally, I demand proof of licensure on behalf of all parties involved, including the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX. This will help to ensure that all parties involved are legally authorized to collect this debt and that my personal and private information is being handled appropriately. 
Please note that I am not refusing to pay, but I am requesting that you provide me with the necessary documentation to verify the validity of this debt. I am aware that I have the right to dispute this debt and request written evidence of it from the debt collector within 30 days of receiving a debt validation letter. I am also aware that it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to refuse to send a validation notice or fail to respond to my verification request. 
I demand that you remove the associated negative trade line notations from the credit reporting agency reports until you have provided me with the necessary documentation to validate this debt. I also demand that you forward this letter to the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, at the addresses listed On the Credit report. 
Original Creditor : University of XXXX Debt Buyer : XXXX XXXX XXXX Address Unknown Furthermore, I demand that you provide me with the full name and address of the original creditor, University of XXXX XXXX, at the time the debt was sold, as well as the account number associated with the debt. I also demand that you provide me with the name and address of the debt buyer, XXXX XXXX XXXX. 
Please make sure that all communication regarding this matter is in writing and sent to the following address : XXXX XXXX XXXX XXXX XXXX, Ar XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

I have had funds debited from my account and I still have not received the requested documents I have asked for. I asked for my XX/XX/2020 banking statement. I have yet to receive it but I am receiving ones I did not ask for I need my XX/XX/2020 banking statement. It is being left off for a Strange reason. As I have requested it many times since XX/XX/XXXX I also asked for it XXXX and XXXX and also XXXX and have yet to receive it only information I am not requesting.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

* Dear Sir/Madam, This letter serves as a formal demand for validation and verification of the debt on my credit report from University of XXXX . I am requesting that you provide me with all original documentation from the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, to prove the validity of this debt. I challenge the legality of the debt sale without written permissible purpose, citing 15 USC 1681 and any relevant subsection. 
Additionally, I demand proof of licensure on behalf of all parties involved, including the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX. This will help to ensure that all parties involved are legally authorized to collect this debt and that my personal and private information is being handled appropriately. 
Please note that I am not refusing to pay, but I am requesting that you provide me with the necessary documentation to verify the validity of this debt. I am aware that I have the right to dispute this debt and request written evidence of it from the debt collector within 30 days of receiving a debt validation letter. I am also aware that it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to refuse to send a validation notice or fail to respond to my verification request. 
I demand that you remove the associated negative trade line notations from the credit reporting agency reports until you have provided me with the necessary documentation to validate this debt. I also demand that you forward this letter to the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, at the addresses listed On the Credit report. 
Original Creditor : University of XXXX Debt Buyer : XXXX XXXX XXXX Address Unknown Furthermore, I demand that you provide me with the full name and address of the original creditor, University of XXXX XXXX, at the time the debt was sold, as well as the account number associated with the debt. I also demand that you provide me with the name and address of the debt buyer, XXXX XXXX XXXX. 
Please make sure that all communication regarding this matter is in writing and sent to the following address : XXXX XXXX XXXX XXXX XXXX, Ar XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, 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. (SC)

I have XXXX hard inquiries I don't recognized XXXX XXXX  : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

On yesterday XXXX XXXX I received a wire from a family member in the amount of {$6000.00}. I transferred {$4300.00} to another account of mine because I needed to make a big purchase. The transfer was declined and I was sent a text message asking if I had made the purchase and I replied yes and was told to try the transaction again. It went through. I then get an email stating that my account was restricted and have not been given any reason as to why. I provided them all of the information they asked for and was told my account is unrestricted. But it is not and now when I call I am being told that its no guarantee that anyone would give me a call back from their internal department and they cant provide me any more information as to why I can not access my money.
Consumer complaint received 2023-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Spring Equity LLC (MD)

Our mortgage was COVID impacted. So, our mortgage lender, XXXX XXXX XXXX, performed a full loan modification. Spring HQ insisted to our points of contact at XXXX XXXX XXXX that we have either a lien on our mortgage or balloon. Both are not true. The amount in question is {$9000.00}, which is not interest bearing. XXXX XXXX XXXX put that amount on the backend of our loan. Spring HQ required satisfying the {$9000.00} and charging us 10.875 % interest on the {$9000.00}, which reduced the {$77000.00} HELOC to {$67000.00} ( net cash from borrower {$64000.00} ). XXXX XXXX XXXX charges no interest on that amount and defers it to the end of the term. Spring HQ 's arbitrary rule works like a penalty and profits from money that's not theirs to collect interest on. I am including two attachments, one that shows the terms or our full loan modification with XXXX XXXX XXXX ( at 4 % ) and the other 45 pages of terms we signed for the HELOC with Spring HQ. Please contact me with any questions. Thank you, XXXX and XXXX XXXX
Consumer complaint received 2023-10-10
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. (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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2023-10-10
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. (NY)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

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 that need to be investigated and removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-30
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. (SC)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

TRANSUNION 11 XXXX  XXXX  XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX ACCT # XXXX {$2900.00} ALL INQUIRIES XXXX  XXXX ACCT # XXXX {$1900.00} XXXX  XXXX/XXXX  XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX  XXXX ( XXXX ) {$1900.00} XXXX   XXXX  XXXX  ( XXXX  XXXX  ) ACCT # XXXX {$610.00}