davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

I paid Off my Collection of CCS on XX/XX/XXXX They reported a Collection remark still on XX/XX/XXXX also today they re added the collection on XXXX saying I owe the full balance I have pictures and everything
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (AL)

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.

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 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (NJ)

We had car loan with Santander XXXX XXXX since XXXX XXXX. 
On XX/XX/XXXX loan account was totaly paid and closed. 
Loan we paid from XXXX XXXX bank account by auto payee. {$600.00} monthly. 
After the loan account was closed still 3 times autopayee went through : XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} We called to XXXX XXXX bank. They filled up the claim and denied next day because they don't see any issues there. Money went to Santander loan account. Then we call to Santander- they don't see money in our loan account because it's closed. No more loan. Where is money? Where they dissappear?
Consumer complaint received 2023-02-15
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. (MO)

Trans Union / XXXX XXXX has failed to provide verification of this. I don't even have a account number of this said debt. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 2022-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (MI)

On XX/XX/2022 I made and international transfer of {$73.00} at XXXX EST. 
Today is XX/XX/2022 and the recipient has not received the money yet. 
I have made several calls to Remitly to resolve this issue and they have not. 
I have also asked them to cancel the transaction and refund my money, they have failed to do that. I need help to get my money back.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 2018-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX was a victim of identity theft, medical bills were placed into collection in his name. The debt involves XXXX XXXX. XXXX XXXX XXXX XXXX rights as a consumer are in direct violation of the Fair Credit Reporting Act because in XXXX and XXXX these collection items on his credit report were disputed and removed. Now the same debt is re appearing from a different collection agency. Being XXXX XXXX, 19 items are currently in dispute now, within the 30 day time frame for investigation. This is considered " outdated, negative information '' as it's been addressed previously and led to an extended 7 year fraud alert on his credit report. This is illegal, and unethical. The credit bureaus should be held accountable for these violations and illegal reporting practices. Both XXXX and Experian have been notified to send a copy of a current credit report with the initial dispute process in writing, this has not been done at this time. Disputes were initiated on XX/XX/XXXX 2018
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-26
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)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-05-02
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. (MD)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate Inquiries
Consumer complaint received 2020-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (CA)

I sent to Vanilla Visa Gift Card at an e-mail address requesting replacement for two lost gift card on XX/XX/XXXX. I had also called them numerous times prior to this. I enclosing all the information that they asked for. I was told to send the first email to XXXX XXXX, 2nd to XXXX. I was told the first two email were wrong. On XX/XX/XXXX ; I called to get the status for case # XXXX, Vanilla Visa Gift Card stating that they didn't have the information. I was given another email : XXXX. I feel that I'm being giving the run around and that they do not want to paid for lost cards. The total amount is {$670.00} dollars. This is not an amount that I can just dismiss. They should not say they will replace when in reality they do not
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One is reporting an account on my credit report as opened on XX/XX/XXXX. I sent them a letter on XX/XX/XXXX requesting information on this account. They replied that the account was opened over the phone or via de internet. I replied that this is a fraud account and I requested an investigation. they replied they see no signs of fraud because they received a payment. I replied that if they received a payment I need a copy of the form of payment they received so I can investigate since this account was opened in my name without my authorization. They replied the same thing " We see no signs of fraud ''.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, if any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice, and I never authorized this agency to report on my consumer profile. I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.
Consumer complaint received 2023-06-08
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. (VA)

My name is XXXX 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.
Consumer complaint received 2022-12-07
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)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

I've been reporting crimes that took place at Robinhood to support and they have been gaslighting me and writing irrelevant responses. Robinhood needs to be immediately shut down and liquidated to repay creditors. Executives like " XXXX '' need to be arrested.
Consumer complaint received 2023-09-06
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. (IN)

To whom it may concern, I asked Experian to reinvestigate accounts on my credit file. 
XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX I asked for them to produce a copy of the original singed contract with my signature on it and what was the method of verification was used.They couldn't produce the requested items. I asked for, I never received it. According to 15 U.S.C. 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. It also states : no consumer reporting agency can not furnish an account without my written instructions. It has been more than 30 days and by State and government law, the disputed accounts must be removed. I also sent everything in certified mail. This is a violation of my rights. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. They could not produce the original signed contract with my signature on it, by State and Government law, the disputed accounts must be removed.
Consumer complaint received 2021-08-03
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: OneMain Finance Corporation (GA)

The loan I had was Paid off because the Car was Totaled in a car accident. Insurance Paid the Car off even to the company. the loans that are in my name are not mine. I have two bill from this company and not sure why. I need this to End. Delete this off of my account. this account has been charged off with a XXXX Balance.
Consumer complaint received 2023-04-26
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. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4
Consumer complaint received 2018-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My husband and I had accounts at XXXX XXXX, a joint stock account and his 401K/ IRA rollover.  We moved the accounts to XXXX XXXX, I had to sign to do this. XXXX XXXX XXXX placed the money into a Summitt Cash Reserves then transferred money to XXXX XXXX. Once it got to XXXX XXXX, they changed the account to a single owner account. When I tried to access the account information, I was told I did not have authorization on the account and was not privy to any information. Also, the beneficiary on the account was changed for the 401K/IRA taking me off and placing our kids as primary instead of secondary beneficiaries. My husband died leaving a mess of our accounts. I am now the administrator of the estate with no will and my life savings has been hijacked by people not following proper procedures for handling transfers of money and 401K/IRA rollovers. Please help me this sorted out so that I don't have to spend money I don't have to get  access to money rightfully mine and to avoid court proceedings that would involve suing my kids. Thank you.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate 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 XXXX : {$530.00}
Consumer complaint received 2023-08-21
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)

MY XXXX CREDIT REPORT CONTINUES TO REPORT THE XXXX XXXX XXXX XXXX ACCOUNT XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ( THE X 'S ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX pertaining an invalid account number. This falls under inaccurate/false reporting and must be DELETED PERMANTELY AND IMMEDIATALEY FROM XXXX AND TRANSUNION CREDIT REPORTING BUREAU 'S . DUE TO LAW PASSED EFFECTIVE XX/XX/2017 NO JUDGEMENTS ARE TO BE REPORTED ON NEITHER 3 CREDIT BUREAUS. THIS IS ILLEGAL!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

As a XXXX XXXXXXXX XXXX, I'm extremely disappointed in TransUnion and their reporting methods. TransUnion has allowed XXXXXXXX XXXX to report a Charge-off to my report for the last 22 months and this is in clear violation of the Fair Credit Reporting Act. 

The information the Charge off is as follows : XXXX XXXX - Account # XXXX - Payment status : Collection/Charge-off. 


The Charge-off TransUnion allowed to report to my consumer report is a violation to the FCRA pursuant to 15 U.S.C 1681a ( 2 ) ( a ) ( i ) of the FCRA, it states the following : ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A Charge-off is a transaction related to the line of credit it's attached to.

A Charge-off is an experience between the consumer and the financial institution.

The utilization attached to the Charge-off account is an experience as well because the utilization is attached to my spending experience, shopping experiences, etc.

The FCRA also states, pursuant to 15 USC 1681a ( 2 ) ( B ), the following : ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The Charge-off account is attached to an authorization and approval of credit with XXXX 


So with this Charge-off account reporting to my consumer report TransUnion has been in CLEAR violation of the FCRA. Also, with the Charge-off account reporting to my consumer report since XX/XX/2021 is also a violation of 15 USC 1681e ( b ) which states the following : ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This means when TransUnion prepares my consumer report, TransUnion must make sure that they report information concerning me is reporting with MAXIMUM POSSIBLE ACCURACY! 

In closing, TransUnion has allowed XXXXXXXX XXXX to report this Charge-off to my consumer report since XXXX, XXXXXXXX XXXX which is XXXX months ago. With TransUnion allowing this, they have consistently violated the Fair Credit Reported Act, as stated and described above, for XXXX  months to date. 

I DEMAND THAT TRANSUNION GET THIS IREONUS, INACCURATE, FCRA VIOLATION Charge-off account off of my consumer report ASAP!
Consumer complaint received 2018-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (MD)

With PayPal, I tied to use the credit account that I have with them through their site, of which I was logged into. They declined my transaction using their credit by stating in a later email that they were unable to verify me, but had no issue in using another payment source without this verification. Which states to me that I am not carefully verified when signing into there site with my personal banking account attached, and need additional verification. The site didn't request any additional information for verification, just flatly declined my transaction and therefore would not allow me to use my credit account allow approved. This is a very deceptive practice, feeling like a bait and switch, as this credit usage would have allowed better financing terms and conditions of no interest for 6 months. Very upset with this.