davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate inquiries in my file. Delete these immediately! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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. (GA)

These following accounts are involved in litigation... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST. 
DELETE ALL ACCOUNTS
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XX/XX/XXXX )
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

I'm seeking auto insurance in Michigan, where driving without it is illegal. Michigan law prohibits insurance companies from using credit scores to determine eligibility for auto insurance. Despite this, an insurance company accessed my credit report without my authorization and denied me coverage. I had no knowledge or authorization of their use of LexisNexis for this purpose. XXXX Quote initiated this unauthorized credit check through LexisNexis, which is both unethical and illegal. I must obtain auto insurance to avoid legal penalties if pulled over, but these practices are preventing me from getting coverage. I visited the website below for a quote, but they did not inform me that they would be checking my credit. This lack of transparency and improper use of credit information is unjust. 
Can you please help me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

credit report includes transactions I do not recognize. 
XXXX XXXX XXXX XX/XX/year> THIS INQUIRY WAS NOT MADE BY ME OR DID NOT APPROVE IT XXXX XXXX XXXX XX/XX/year> ACCT HAS BEEN SETTLE WITH COMPANY XXXX XXXX XXXX - XX/XX/year> THIS WERE NOT INQUIRIES MADE BY ME OR DID NOT APPROVE IT XXXX XXXX XXXX WERE NOT INQUIRIES MADE BY ME OR DID NOT APPROVE IT.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

They call me multiple times a day from different numbers. Dates include XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23. This has been occurring for six months.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : COLUMBIA DEBT RECOVERY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : COLUMBIA DEBT RECOVERY XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : COLUMBIA DEBT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXXunder the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and XXXX XXXX XXXX XXXX XX/XX/XXXX. Columbia Debt Recovery XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (DC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: RGS Financial, Inc. (MN)

Received another text from RGS financial.com today again XXXX. Just blanket statement of debt collection. 

Im afraid to open their link requires my agreements to open the link. I do not want to be hacked or receive spam or other issues from RGS financial.com.
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CICA Collection Agency, Inc. (PR)

Hello last year the contract of my internet provider was finished on XXXX and i opted out and did not want to receive anymore of their services after that month ended. a month later i got a letter that i did not return some equipment and stating that i owed them some money without saying for what since my contract ended. the letter said to return the equipment after 5 days or legal consultation on their part will happen ( the letter arrived after the 5 days they talked about ) i tried to call them but impossible. today XX/XX/XXXX i received a letter of a company trying to sue me saying i owe a debt one that i did not know i had and that i would be taken to court if not responded letter says XX/XX/XXXX and it arrived on the XXXX were the letter said they would take legal action after the XXXX. its left me in a difficult position cause i have never heard or received before a letter of this company. plus it was sent to my parents home where i no longer reside.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TN)

CitiCard changed their cash back card to a " points '' system without giving the end user a choice in the matter ( 2022 ) CitiCard has " partnered '' with businesses to use points - giving access to personal information ( rewards points balance ) without consent of users. There is no option to opt out of this, as confirmed by CitiCard.

In my case, rewards points were recently redeemed without consent while purchasing gas from a Shell gas station. This was reported to CitiCard and they said they were sorry for my inconvenience but they will do nothing to address the issue.
Consumer complaint received 2024-04-17
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. (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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

Goldman Sachs Bank USA allowed someone to fraudulently withdraw {$46000.00} from my XXXX by Goldman Sachs saving account via XXXX unauthorized transactions. I was not notified of any of the withdrawals and discovered this myself after logging on to view my account detail and immediately notified Goldman Sachs Bank USA XXXX XX/XX/2024 and dispute case was opened with them the same day. We were told to wait XXXX days to investigate however after more than XXXX telephone calls and speaking to XXXX different people as well as filing a police report, we have still note received any update as to what happened to my money nor has Goldman Sachs Bank USA refunded / credited me with my money which they failed to protect. Every time I called, I get transferred to different people and get same answer that investigation is still pending. Further more, on XX/XX/2024 I discovered that Goldman Sachs Bank USA froze the rest of my money in the account even though as they recommended, we opened a new account with them and transferred the remaining funds into it and closed the old account that had the fraudulent withdrawals. Goldman Sachs Bank USA is preventing me from accessing and using my money in the new account even though I called them and explained that I need access some of my money in the new account. I asked to speak to a supervisor but they indicated that no supervisor is available. Goldman Sachs Banks USA actions, lack of communication, and lack of effective escalation process and lack of resolution have and continue to create financial and emotional stress and suffering for me and my family.
Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

Paragon Revenue Group once again for the 3rd time this year, attempting to collect on another invalid / unverified alleged medical debt that I am unaware of and NO intentions on paying this agency for. 

Pursuant to HIPAA, my personal privacy and medical records should be protected from any 3rd party collection agency to include PARAGON REVENUE GROUP. And if they are in possession of my medical records, then that would be a clear violation of HIPAA. 

The alleged original creditor is : XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service (SC)

I recently filed taxes like the rest of America and after this storm in XXXX XXXX SC needed the money desperately to make repairs on vehicles and my home. We'll my return never came and shortly after a received a letter from the IRS stating that my {$7000.00} return had been used to pay an offset. After looking into what they were talking about the offset they were speaking of was an AFFES ( ARMY AIR FORCE EXCHANGE SERVICES CREDIT CARD ) I separated from the XXXX XXXX almost XXXX  years ago and then it was XXXX. I have not heard from these people in that time and it is on my credit report. I am a XXXX veteran and my check isn't garnished because of this either. There is a XXXX  year statue of limitations with this type of thing with the government and this debt was sold to a private company which definitely does not have the authority to act. I did some digging and there has been a class action lawsuit against them for this exact thing in XXXX  see XXXX XXXX UNITED STATES AND ARMY AIR FORCE EXCHANGE SERVICES. This is effecting thousands of military  veterans and they are getting away with predatory practices targeting our military  and veterans with the approval of the government. Please look into this and refer me to a lawyer that may be able to help me get my money back so I may rebuild after this storm. 
My number is XXXX My email is XXXX XXXX
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (CA)

My name is XXXX XXXX, I recently had fraud on my direct deposit account, and someone stole my compensation of {$4100.00}. Ive tried to contact someone who can expedite the process of my dispute and I am not receiving any help with this situation to reverse the fraud. They pay me normally a few days early, however the morning of XX/XX/XXXX called because my account was hacked and my deposit stolen. Had to wait until XX/XX/XXXX so they could allow the transactions to go through and then they could dispute it. XXXX XXXX ( Credit Karma Spend Account ) has the 8 transactions in the dispute process however they are telling me it could take up to 90 days ( XX/XX/XXXX ), no explanation as to why this takes so long or why I cant have my money back in which my actual debit card wasnt even used, someone XXXX my account and stole my virtual card.I cant wait this long for this to happen, Ive already switched my deposit information to my XXXXXXXX XXXX account. As a veteran who receives this XXXX XXXXXXXX compensation monthly, I can not wait until XXXX to get my money back that is ridiculous. I have also verified my identification multiple times through text and emails, with my picture and ID. Last phone call was XX/XX/XXXX, apparently I cant reach a supervisor or the actual fraud team to expedite this process. Now Im reaching out to all levels of fraud departments including the XXXX. They also allowed someone to change my information, they got into my account, changed my name, my PIN number, and phone number. But I try to change anything and I have to verify with my ID, so I dont know how this even got past their two-factor authentication.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (MI)

After XXXX years of frequent and reliable transactions processing donations and payments for charitable work, PayPal has suddenly declined to do any more business with our XXXX certified nonprofit, XXXX XXXX. 

Reckoning Press publishes an award-winning literary magazine, Reckoning, which is focused on environmental justice. On XXXX XXXX, we sent a payment for a poem to a Palestinian-American author. Immediately after doing so, PayPal placed a limitation on our ability to open any new transactions while they audited our account, asking me ( the president of XXXX XXXX ) to send them a photo of my driver 's license, a copy of our last month 's checking account statement, and confirmation that we had shipped XXXX recent book orders that were paid for through PayPal. I sent this documentation as quickly as I was able, and upon receiving these documents, they reopened my account almost immediately. In fact, they emailed me at XXXXXXXX XXXX yesterday to confirm receipt of the documents, then again at XXXX XXXX to let me know " Your account has been restored ''. Today, I realized I had made a mistake and only sent the author half the amount agreed upon in the contract, so I opened a second, identical transaction via XXXX. Immediately upon processing this second payment, in literally the same minute, they permanently and irrevocably deactivated my account, offering no explanation as to why XXXX XXXX for recourse. Both the confirmation email for the transaction and the email notifying me that " Important : Account features have been deactivated '' are timestamped XXXX XXXX, XX/XX/2023. 

A member of Reckoning staff pointed out to me that XXXX apparently has some unreasonably restrictive " anti-terrorism '' policies. Here 's one article about it : https : XXXX  I can only conclude this is what happened : PayPal flagged XXXX XXXXAmerican contributor 's name as indicative that we must be funding terrorism. Obviously, this is absurd and XXXX. The contributor I'm referring to is a natural born American citizen currently resident in New York, and we're paying this author for a poem per our contractual obligation. 

But XXXX has provided no path to dispute their decision. There is copious documentation all over the internet of people with similar issues being ignored : https : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX So I feel I have no recourse but to open a complaint with the CFPB requesting that our account be reinstated. 

I'll include copies of their emails and the documentation I provided below. Please let me know if you need further information or proof. However, I would ask respectfully that our Palestinian-American contributor 's name be kept out of this complaint in order to protect their privacy and secure their safety. 

Thank you very much, -- XXXX