davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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)

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

XXXX 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 XXXXXXXX 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 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 reporting to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-22
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. (GA)

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

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 XXXXXXXX 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 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 reporting to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/year> my friend sent me payment for a pizza we had split earlier that day, it was XXXX if us I pisd for full amount upon everyone agreeing to send me back a portion of the pizza dinner payment, one had Venmo decided to send me there portion and another said just to send them there returning changing and split it with her, so me and my friend both didnt use Venmo and decided to make a account the same night side by side one another. After a hour of making the account they locked my money when it was XXXX and stated no reason of unacccount frozen or no email was sent, I needed that money to get to work and gas but they proceeded on ignoring me and waiting and telling me 3 days funds will be viable, its been 5 days they now said my account has been permanently disabled and will hold my funds for 180 days not giving a reason and all there employees were rude not professional and stated I will get my funds when they have time to get to my case I have the transcripts to prove it yesurday I argued with them and they just repeated the same ignore my questions and telling me. To try to message them again and they will lock me out my account indefinitely after I gave them the bank information they needed and got from me so now they dont answer have all my personal information and I keep getting transactions of wierd pursschses going on my bank account since I given them the information they have my funds still and ignore my messages and state I was doing inappropriate transactions when I only have XXXX transaction the account is less then XXXX week old and they did the same to all my friends mind they all got there money taken and given same reason of doing so.
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

Made major purchase through XXXX XXXX  on their promotional offer of XXXX percent for 36 months. There website calculator said the payment would be XXXX per month. 
Citi bank send monthly state requesting XXXX minimum payment for this purchase. 
I contacted. Citi bank and they said all they could do was forward the complaint but said they don't recognize tractor supply calculations and can't promise the charges would be corrected. 
The citi bank rep went to XXXX XXXX website and used their calculator and confirmed what I had told them.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

This is a follow up to my previous complaint ... I filed for Chapter  XXXX  in  2010 , this is reported by the Credit Bureaus as FILED, when it should be reported as  DISCHARGED. Not to mention, it is now past seven years.
Consumer complaint received 2023-08-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (AZ)

XX/XX/XXXX I received payment of XXXX and XXXX to Venmo account. The payment of XXXX from the sender requested refunded next day stop the refund request. I was very new Venmo not sure about everything I ended up someone purchasing XXXX  When I realized that I stop and sold so I could get receive funding back. The payment of XXXX I received I tried to transfer to my account. Never made it. I receive an email from Venmo stating they reported unusual activity on my account with that my account permanently band. I asked them Venmo from XXXX XXXX what did I do that went against Venmo user policy. No one tell me. Still nothing. They reversed XXXX payment back to the lady. The lady sends me a message like she didnt understand why? The payment from XXXX I accidentally bought came in on Venmo account XXXX sitting in my account they wont let me have access too. I keep asking them I want to know how I violated user terms, what is the unusual activity they are accusing me of violating and doing. Its now XXXX XXXX no one will inform me. All I got back is that payment is in loss prevention where it will stay XXXX after the 180 days if they feel up to giving me the payment they will if not they keep it. No one will inform me of anything. I keep getting the runaround.
Consumer complaint received 2022-12-22
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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 XXXX 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 2022-12-22
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX 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 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 2022-12-22
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
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. (NC)

I have reviewed my consumer report and I notice the credit reporting agencies are reporting private information about my credit standing and worthiness. It is the credit reporting agencies duty to insure fairness, impartiality and to have respect for my right to privacy. My private information and credit experiences are being publicly furnished without my written consent. I am requesting the method of investigation used to verify the accounts that are being furnished without my consent. VERIFICATION " means the process of establishing the truth, accuracy, or validity of something with official documents ''. Please send me the statements of account and documentary evidence in accordance with Truth-In-Lending and the written document from me giving any consumer reporting agency consent to furnish these accounts. If the requested documents are not provided within XXXX XXXX please delete the accounts immediately!
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: Experian Information Solutions Inc. (PA)

After reviewing my credit reports following investigations, I noticed that Experian 's report does not match the investigation results from XXXX and XXXX. The other two consumer agencies removed all incorrect information from my report. Attached you will find the investigation results from XXXX. Under law my reports should reflect all accurate information, and the consumer reporting agencies have to assure that my reports reflect maximum accuracy in order to furnish to my personal and confidential file. Experian did not do that.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

XXXX5 U.S. Code 1681s2 - furnisher shouldnt report information that is known to be incorrect ; cost me to get denied waste money because my score is wrong 15 U.S. Code 1681 A 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S. Code 1681 A4 violated my right to privacy My experian has more accounts than XXXX XXXX Payment XXXX Card XXXX % XXXX XXXX Experian Payment : In pictures its doesnt add up
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft, my information was stolen and used to open several accounts, including chase, and XXXX. I was informed of the theft by my bank  XXXX, monitoring my credit report. Thats when I found a XXXX card for {$9800.00}, and a {$4000.00}, XXXX  bill. I reported the identity theft to my local police department, and was given a case # for XXXX XXXX use informing the above companies, that I am in fact, a victim of identity theft. 

After a few months, XXXX sold the debt to XXXX XXXX, a company that buys bad debt, and then tries to collect the debt, using some questionable practices. I informed XXXX that this was happening, and they got XXXX to remove the derogatory item from my credit report. 

Unfortunately, chase bank services are another issue, after calling, and writing numerous letters, providing them with all the information I have, including the police report, with case number. They insist they account is verified, by virtue of Payment made in my name, unfortunately not by me, because i never received a bill, because i never opened the account, nor signed any documents from XXXX accepting their terms, and conditions
Consumer complaint received 2022-12-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (IL)

I am seeking to ask the owners of XXXX XXXX or Private Lender Company some questions regarding why they opted to not participate in the IHDA program whom was going to pay my arrears on the mortgage I am behind. Also to ask them if they are willing to take a certain amount from an insurance policy settlement from me and allow me to become current on my mortgage so that I can finish my renovations and receive the XXXX XXXX in escrow, Im sorry construction escrow. I didnt find out until closing this was a Construction refinance loan. An attorney I spoke with briefly mentioned some of the things I have described sound similar to bad practice violations. I am aware the lender is not obligated to participate. However the debt would have been paid. So it appears the foreclosure is being forced in a sense. I could be wrong though. Thats where Id like the expertise of CFPB
Consumer complaint received 2023-08-03
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 reported identity theft and fraud to XXXXXXXX XXXX that they are reporting to credit bureaus and the account is not my account. I requested XXXX XXXX  remove the fraud from my name and from the credit bureaus and they refuse to remove the fraud. I am suffering loss and harm as a result of their negligence.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (FL)

XXXX. On or around XXXX of XXXX, a new mortgage payment amount took effect after an escrow analysis. 

XXXX. Payments throughout the history of the mortgage have always been made on or around the XXXX of every month. Not a single month was missed. 

XXXX. On XX/XX/XXXX a payment was made for that month, with a {$97.00} shortfall due to the incorrect amount used from the escrow letter received. The description of the transaction was classified as APPLIED FUNDS, different from the regular description of PAYMENT in the account summery section the bank provides on their website. 

XXXX. On XX/XX/XXXX, another mortgage payment was made with the incorrect amount. No notice was received from the bank the amount submitted the prior month was incorrect. 

XXXX. On XX/XX/XXXX an email was received notifying me the account was past due, and I owed another mortgage payment {$3300.00}, plus a late fee of {$110.00}. 

XXXX. A representative from the bank was contacted and notified me of my {$97.00} shortfall on my mortgage payment. When it was brought to my attention, payment of the {$97.00} dollar shortfall was promptly made on XX/XX/XXXX and accepted by the bank. Leading me to believe the account payment was properly adjusted to reflect the current payment for the month, as it was an accounting error on my part of the shortfall. 

XXXX. The next XXXX months ( XX/XX/XXXX and XX/XX/XXXX ), the new payments were made, reflecting the correct amount. No notices of past due payment activity was received. 

XXXX. On XX/XX/XXXX, an email was received with notification the mortgage payment was due on XX/XX/XXXX. 

XXXX. When the latest statement was downloaded from their website, I owed XXXX mortgage payments with {$330.00} in late fees. 

XXXX. Without my knowledge, the bank applied the shortfall payment made in XXXX to principal, and I have been unjustifiably charged {$110.00} every month, because of an incorrect interpretation of the amount owed. 

XXXX. The above stemmed from a {$97.00} dollar shortfall. It was my understanding when I spoke to the representative, and since such amount was accepted, the account would have been adjusted accordingly back in XXXX. 

XXXX. This month Ive had to pay XXXX mortgage payments with late fees totaling {$7000.00}! All because the bank, without my consent or knowledge, applied a regular payment with the incorrect amount to principal. 

XXXX. Multiple conversations with representatives from the bank refuse to make the adjustment on the account. I have not missed a mortgage payment. It was simply an incorrect amount sent that was promptly corrected as soon as I was made aware. 

The bank is raising substantial additional revenues in fees and mortgage payments from the consumer when making incorrect payments by not adequately or promptly disclosing to the customer the status of the account, or how are incorrect payments applied.