davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (PA)

I had some disputes to file for a time in XXXX when I was going through some personal issues at home with family and friends. Doing what I could to help people I was close to recover. Unfortunately, some of them took from me repeatedly. a few of my paychecks and deposits were used without my knowing. I was issued a provisional credit credit, and right before that they closed my account. And all the advisors said they were not sure why. When they issued my credit, they said that they had to wait XXXX days to give it to me. Which does not give me full use of the funds. Really hurts how Im gon na pay my bills now or get my kids the rest of their school clothes, etc
Consumer complaint received 2023-08-19
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. (TX)

Following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Equifax XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-20
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. (WA)

I have taken auto-loan from XXXX XXXX XXXXXXXX in XX/XX/XXXX. I had auto-pay set to my Auto-loan account since XX/XX/XXXX. While auto-pay worked for a year, it failed for the month of XXXX XXXX. The reason being my first tech savings account ran out of money. I was not notified by the firsttech for any auto transfer failure or payment missed in my loan account for XXXX  months. After XXXX months i learned about this when my credit score dropped by XXXX pts and then mail came from XXXX at the same time that i have been missing payment from XXXX  months. I emailed to XXXX on XX/XX/XXXX that i had not received any communication about missed payment or late fee until XXXX months. At the same time I pre-payed my auto-loan to reduce the balance loan as well as paid the account balance to make it current. On XX/XX/XXXX the auto-pay also started going to the loan account for remaining balance. The auto loan account status was current by XXXX XXXX. 
In response to my complaint XXXX sent email on XX/XX/XXXX that they filed a dispute and i should get report in XXXX days. I later got a letter that they can not revert the late payment from my account. On XXXX despite the loan account being current my XXXX XXXX dropped again by XXXXpts in Transunion report stating Auto-loan account is XXXX day late and Auto-loan balance increased despite of me pre-paying the principal. I contacted XXXX by phone to report the same to which they told i should contact the credit union. I filed dispute to Transunion via XXXX XXXX account as well. I don't know which institution Transunion or XXXX are wrong but despite my compliant to firsttech and dispute via XXXX XXXX wrong reporting is done. Both Transunion and XXXX should be in sync about the current state of my auto-loan account.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-06
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. (TX)

Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

In XX/XX/2023 I contacted Barclays AAdvantage card requesting a cancellation of the card if it was going to be carrying a membership fee when it renews after the first year. 
The request was not heeded and the bank took out the {$95.00} out of the positive balance I have had with them and then refunded the remainder. 
I inquired about this on XXXX when I got back into the country I was told that the bank would not have promised me to cancel the card if it was to charge the fee again. 
It then canceled the card upon my request ( again ) but refused to refund the annual fee already paid. 
I think this way of doing business is atrocious and extremely unethical.
Consumer complaint received 2023-08-19
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)

Doing to the fact of ongoing disputes to these companies I am seeking compensation of {$2000.00} for each company due to the violations of my rights which their violated 15 USC 1681 A, and violation of 15 USC 1681 B2 I am seeking documentation in regards of my consent to these companies they are furnishing my credit report without written consent from me they should remove every inquiry off my credit report without documentation of my consent, it states in 15 USC 1681 B2 they have to have written consent from me to furnish my credit report and I didn't give no consent to none of them 15 USC 1681A, accuracy My credit report is not accurate at all due to these companies that do not have my consent to furnish my credit report, this is not my first time disputing this I believe that they aren't not doing the investigation like they should they are not reading the codes they are just verifying the debt which I am not trying to verify the debt I am disputing the accuracy that is on my credit report and the consent
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-19
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. (WV)

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 2023-08-19
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. (FL)

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 2023-08-19
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. (LA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

An incorrect address is being reported on my credit profile which is linked to fraud. My identity has been stolen from this address. I do not live at this address XXXX XXXX XXXX XXXX, XXXX IL XXXX.
Consumer complaint received 2024-04-02
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. (NY)

I kindly request that you undertake a comprehensive review aimed at removing any instances of disseminating inaccurate information. Furthermore, I urge you to meticulously conduct a validation process encompassing all relevant data to ensure the integrity and accuracy of the information being disseminated.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Provided Experian with the proper dispute letter showing that they were inaccuracies on my account and if it was showing inaccuracies, according to US code 1681 that they should remove this from my account, Experian has been reporting this negative account on my credit report for years showing inaccurate information company is using manipulative wording, and tactics to keep this on my credit report according to US code 1692I these practices are illegal, and since they have been reporting this on my report with these inaccuracies, this loan, this debt must be removed from my account the account number is XXXX this is now reporting as closed on my report instead of removed. Due to it being in accuracies on my other credit bureaus, it has been removed, but continues to stay on Experian.
Consumer complaint received 2021-03-21
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)

TransUnion has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. Hard Inquiries involved : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXX/XX/2020 The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me. 

This issue has taken over 90 days to this date. XX/XX/XXXX.
Consumer complaint received 2023-08-19
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. (FL)

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 2023-08-19
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. (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 2020-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello, i contacted paypal today that i have been a victim of unathorised tranasction which it wasn't me who did this transaction, i was usually surfing the web until i got a messaged popped up saying XXXX has been sent to this paypal email address i was in shock and i went and checked and saw my paypal password changed so i quickly changed it, and i realised i was hacked thru my computer i must of had a virus but paypal didnt protect me either way no reimbursment. i lost XXXX of my hard earned money i contacted the person email who has my money he was very rude and saying not him etc, so i contacted paypal telling them what happened neither did they listen they just denied right up after couple hours and PAYPAL are letting fraudsters/scammers win constantly no matter what you do, this company has no clue whats its doing it cant detect anything in fact paypal is that bad i will start using revolut again and that was a shocker at least i wasn't hacked, and paypal take no care for customers they just do it their way im very dissapointed. I hope i can get my money back.
Consumer complaint received 2023-08-19
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. (VA)

On XX/XX/XXXX Transunion received a certified copy of COURT ORDER case XXXX XXXX from XXXX XXXX Virginia civil court dismissing with prejudice the case brought against me for accounts opened FRAUDENTLY with creditor XXXX XXXX XXXX XXXX on my  credit report. 

Transunion also received my FTC identity theft report, police report and correspondence requesting these accounts be blocked from my report per Fair Credit Report Act ( FCRA ) U.S. Code 1681c2 - Block of information resulting from identity theft within 4 days To reiterate, Transunion today XX/XX/XXXX received my : Certified court order XXXX XXXX XXXX XXXX XXXX Civil Court , FTC Identity Theft Report, Police Report from Town of XXXX Virginia and FCRA U.S. Code 1681c2 via US POSTAL SERVICE tracking # XXXX US Tracking Number : XXXX Your item was picked up at postal facility aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Waiver of signature was exercised at time of delivery. 

DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have furnished Transunion as of XX/XX/XXXX all the information needed to correct my report. Everyday moving forward my report is incorrect, will be in violation of FCRA. 

Transunion has until XX/XX/XXXX to correct my report under Fair Credit Report Act Identity Theft guidelines, if not updated by the above date, I will be forced to seek legal remedies in Federal and or State court for damages of emotional and financial hardship providing these CFPB complaints as documented proof your company willfully incorrectly reported accounts you had documentation ( court order ) these accounts were erroneous.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

I am an XXXX XXXX XXXX  of the military. My citibank city premier credit card showed a {$95.00} fee, when I have charged less than a {$100.00} for the year on this credit card. Which exceeds the 36 % maximum in fee I can be charged under the Military Lending Act. I called to inform them of this oversight and they requested a copy of my orders Which I sent on XX/XX/XXXX. I got a notification that they have verified that I am eligible for the military lending act. I was informed they would be removing the fee as of XX/XX/XXXX. It is now XX/XX/XXXX And the fee has not been removed and I have also been charged a late fee of {$30.00} and then another {$1.00} as of today in interest Illegally under the military learning act. For my Credit Card ending in XXXX