davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me 21 days before with a statement, so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below are reporting late on my consumer report and should all be updated to PAANL  ( paid as agreed never late ) on my consumer 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,. As a consumer, by law the account in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL  ( Paid as agreed never late ).
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2021-03-14
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. (PA)

Hello I sold my house last XXXX this account shouldnt even show on my account. I payed the remaining balance of my mortgage loan so by law and the fair credit act this must be removed from even being showed on my account!
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BYL Collection Services (AZ)

Debt collector placed account on my credit report due to same name. When I contacted the creditor, I was told application was filled out online and sent to another address which is not mine. Informed original creditor of an identity theft block on my credit report which requires that I be called before any service is issued. Creditor response was a credit check is n't ran upon opening an account so they 're not able to remove account because someone opened it in my name.
Consumer complaint received 2023-05-24
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. (CT)

In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXX and # XXXX has violated my rights. 

15U>S>C 1681 section 602 A. States i have a right to privacy 15U.S.C. 1681 Section 604 A section@. . It is also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit XXXX XXXX XXXX XXXX and remove 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 t multiple fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. The accounts are as follows, XXXX ProgressTSYSVT on XXXX account # XXXX, XXXX Bank on XXXX account # XXXX, Web Bank-Fingerhut on XXXX account # XXXX, Arm on XXXX # account XXXX, Arm on XXXX account # XXXX, Arm on XXXX account # XXXX, XXXX XXXX bank XXXX XXXX XXXX Account # XXXX, XXXX on XXXX # account XXXX XXXX  on XXXX account # XXXX. These accounts have resulted in several fraudulent inquiries, collections, and charge offs appearing on my XXXX report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 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 2023-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Description of events : I came to agreement with XXXX XXXX about selling my computer to him for {$880.00}. He went ahead and told me to request money through PayPal. Which I did. Not after i get a email from PayPal saying funds will be on hold until I send a verification of shipment. Which I went ahead and shipped out computer and placed insurance on shipment for {$1200.00}. Then received an email saying funds will be placed into my account on Friday  XX/XX/XXXX same day of computer delivery. Friday  comes around and I get another email saying that I needed to send {$400.00} to the buyer since he sent an extra {$400.00} in order to get a increase in limit so I was to send those {$400.00} to refund back what he sent on top of the {$880.00}. The {$400.00} I sent were to XXXX XXXX which the main buyer XXXX claims it was his step son. 

In total I lost {$1200.00} in value goods.
Consumer complaint received 2023-03-13
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: American Credit Acceptance, LLC (WI)

Between XX/XX/2023 and XX/XX/2023, my automotive account with AMERICAN CREDIT ACCE was removed from my credit report because a violations of federal laws that protect consumers. Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. 
also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights.

they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. 
also 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, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.
Consumer complaint received 2023-02-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XXXX, alleged debt purchaser Portfolio Recovery Associates placed a collections account on my credit report with XXXX and XXXX. I learned about this when XXXX emailed me an update. XXXX never notified me about the alleged debt or communicated with me at any time by telephone, email or letter before it reported this account as delinquent. This violated the Fair Debt Collections Practices Act ( CFPB Amendment to Regulation F, effective XXXX ). On XXXX, I filed disputes with the credit reporting agencies, and I called XXXX to request the account be removed from my credit report. To date, XXXX refuses to remove it and it reported to XXXX and XXXX that this is a properly reported account, notwithstanding the 2021 Regulation F amendments.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (OK)

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, 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 an 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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Submitted dispute to all 3 credit bureaus for the following accounts listed below. Some accounts were deleted from 1 credit bureau but not from others that addressed same dispute. I requested deletion from each Credit Bureaus from the following accounts : 1 ) XXXX XXXX XXXXt Card- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. TransUnion removed account from Credit Report but XXXX and XXXX did not. The 1st date shown below XX/XX/2024 states file was deleted from credit agency but 2nd date XX/XX/2024 states INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed items ) was verified as accurate ; however, other information has also changed ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations ) ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations )
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: EQUIFAX, INC. (NJ)

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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and 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
Consumer complaint received 2022-11-22
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)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2021-03-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (CA)

XX/XX/31, I called Direct Express ( COMERICA BANK ), spoke with two men, and the same day and following day I could no longer get access to my money. Everytime I've called the same number since then, XXXX XXXX XXXX XXXX the customer service person has told me lies, arrogantly refusing to answer questions regarding what happened, and giving me different mandates, such as going into a " local office, '' as the " only way, '' I can use my card. I told them often that they were keeping my money hostage, and they were consistly indifferent.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The website and phone assistance are nightmares. I feel like I'm being held XXXX. I can't even VIEW my report. A freeze was requested on XX/XX/year> and that was done done. I have no idea if incorrect or fraudulent information is being reported on my Transunion credit report.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

I paid for a warranty for this car, Santander consumer stated that the warranty had cancel after to the car was in auto shop month in half, Santander knew about the issue with the car and welling to provide assistance to service the car. I spoke with several rep and no resolution .This car is not in woking condition to be driving XXXX is reporting inaccurate and wrongly balance to my credit report.
Consumer complaint received 2024-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

I terminated service with XXXX XXXX XXXX, and was wrongfully charged a non-return fee of equipment in the amount of {$160.00} on XX/XX/XXXX. My bank, XXXXXXXX XXXX conducted an investigation, filed XX/XX/XXXX, found my claim to be valid after submitting my equipment return receipt and on XX/XX/XXXX I was returned {$160.00}, plus interest in the amount of {$68.00} from XXXX XXXX XXXX for the inconvenience. My debt was then sold in XXXX to a debt collection agency, and it has been sold again and currently I am being harassed by XXXX XXXX XXXX, i am being called and texted everyday from XXXX. The Debt collection is no longer showing on my credit report, I am not sure if it was resolved by the credit services I hired a few months ago, or if I am just not seeing the full report. I just want to stop being harassed by these XXXX. It has negatively affected my life over the last year and knocked my XXXX XXXX into the upper XXXX, I am a student and was looking to purchase a vehicle and take out student loans and was completely unable to do so because of this fraudulent report of debt i never owed. It is completely unethical to leverage consumer debts as an asset to be sold after ripping them off and ruining their financial health. I would like to pursue legal action.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (AL)

I'VE OPEN A CHECKING ACCOUNT WITH PAY PAL SOMTIME BACK IN XXXX. I'VE APLLIED FOR GOV UNEPLOYMENT BENIFITS IN XXXX OF XXXX AND WAS APPROVED TO RECECIVE MY BENIFITS IN XX/XX/XXXX. ON XXXX XXXX THE AMOUNT OF {$8100.00} WAS DEPOSITED INTO MY PAY PAL CHECKING ACCOUNT BY THE XXXX XXXX XXXXXXXX XXXX XXXX. ON XXXX XXXX MY ACCOUNT WAS PLACED ON HOLD WITHOUT NOTICE OF ANY KIND FROM PAYPAL. IVE NEVER HAD A CHARGE BACK NEVER HAD ANY KIND OF DISPUTE ARE ISSUE ON MY ACCOUNT FOR THIS HOLD TO BE PLACE ON THERE. IVE CALLED INTO PAYPAL SELVRAL TIMES TRYING TO SEE WHY A LIMTATION WAS PLACED ON MY ACCOUNT. I HAVE SELVRAL RECORED PHONE CALLS ATTACHED TO THIS COMPLAINT WITH EACH AND EVERY CALL CONVERSATION IVE HAD WITH PAY PAL CONCERNING THIS ISSUE. THE LIMITATION PAY PAL PLACED ON MY ACCOUNT PREVENTED ME FROM USING MY ACCOUNT IM NOT ABLE TO SPEND, TRANSFER, WITHDRAW ARE SPEND MY FUNDS! I SPOKE WITH PAY PAL ON NUMEROS OCCATIONS AND WAS TOLD THE LIMITATION MAY TAKE UP TO 180 DAYS MAX AND THAT MY FUNDS WILL BE RELEASE AFTERWARDS. PAY PAL WASNT ABLE TO GIVE ME A REASON ARE INFOMATION ON WHY MY ACCOUNT WAS PLACED ON HOLD IN THE FRIST PLACE. IVE WAITED 180 DAYS FOR MY FUNDS BUT IT NEVER HAPPEN. AFTER 180 DAYS IVE CALLED BACK IN TO PAY PAL TO SEE WHAT I NEED TO DO TO TRANSFER MY FUND OUT THE ACCOUNT, I WAS THEN TOLD MY ACCOUNT WAS CLOSED AND THAT I WILL RECEVE A EMAIL ON HOW TO WITHDRAW MY FUNDS IN 48 HOURS. ( RECORDED XX/XX/XXXX CALL TIME 48MINS. ) ONCE AGAIN NOTHING HAPPEN. IVE BEEN ECITE OUT MY HOME I LOST MY CHILD DUE TO ME NOT ABLE TO GET MY FUNDS FOR MEDICAL PROCEDURES. IM CURRENTLY HOMLESS AND THIS IS NOT RIGHT!!! NOW ITS BEEN 3 YEARS AND PAY PAL STILL HAVE MY FUNDS ON HOLD. PAY PAL FIRST PLACED A HOLD ON MY ACCOUNT 2.CLOSED MY ACCOUNT3 HOLDING MY FUNDS. IF MY ACCOUNT IS CLOSED LIKE PAYPAY TOLD ME IM NO LONGER IN AN AGREEMENT WITH THEM AT ALL AND THEY DONT HAVE THE RIGHT TO WITHHELD ARE HOLD MY FUNDS.! THIS IS THEFT, IVE FILED A POLICE REPORT TODAY XX/XX/XXXX AND LOOKING TI HIRE AN ATTORNY TO HELP ASSITANCE ME WITH THIS ISSUE. IVE LOST EVERYTHING. THE ALABAMA XXXX XXXX APPROVED ME FOR BENIFITS 3 YEARS AGO AND I WASNT ABLE TO SPEND ANYTHING. I WILL MOST DEFILINY FILING A LAWSUIT AGAINST PAY PAL FOR PROFESSIONAL NEGLIGENCE. PAY PAL HAD MORE THEN ENOUGH TIME TO COMPLETE ANYTHING THEY SAY THEY NEEDED TO COMPLETE. WHEN PAY PAL DECIEDED TO CLOSE THE ACCOUNT MY FUNDS SHOULD HAVE BEEN RELEASED RIGHT THEN NOT 3 YEARS LATER. THIS IS UNRESONABLE AN THEY WILL PAY FOR THIS.THIS IS FAURAD AND THEFT AND IS WRONG!
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

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, XXXXXXXX XXXX  : # XXXXXXXX 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 2024-03-23
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. (FL)

I am a KNOWN victim of identity theft. I have been dealing with this for over 2 years now. I have summitted the proof and documents to the credit bureaus several times and they just do absolutely nothing about it. XXXX is the worst of the big three but the other two are doing the same thing to me as well. I really need help. I am in the process of trying to buy a home for my daughter and I and I can not, because someone stole my information.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (PA)

Upon reviewing the latest results of my Equifax dispute investigation, I noticed my Equifax credit report does not match my XXXX or XXXX report, they investigated my disputed items and removed all inaccurate items from my report, Equifax did not, please see my attached dispute and update my Equifax to match my XXXX report which is included.