davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX or XX/XX/2022, a check from my bank, XXXX XXXX XXXX was stolen from the post office in XXXX XXXX XXXX XXXX, forged, and then presented to a Bank of America branch for deposit or was cashed. This individual has an account with BofA as it was presented to them for funds. The forged/stolen check was then presented to XXXX XXXX clearing and the funds were removed from my checking account. I filed a fraudulent claim with XXXX XXXX XX/XX/2022. XXXX case # XXXX. It has already been determined that I was not in the chain of error and that XXXX is attempting to retrieve funds from Bank of America. The branch where the check was presented " is not available '' nor will not be identified to me or the sheriff who is working on this case. ( XXXX XXXX Sheriff # XXXX, Detective XXXX XXXX XXXX not contact the branch or review video as the BOFA branch will not identify. ) When I attempt to follow up with XXXX XXXX, they tell me that they are waiting to hear from Bank of America. they will not release a contact number to me for BofA and I can not get through on the customer service line as my account is not with BofA. BofA has my funds and I have been made to approximately 4 months for the return of my funds. I was not in the chain of error in this transaction, yet my family has been made do undergo hardship while the 2 banks " XXXX it out ''. XXXX XXXX tells me that they are waiting on BofA to return the money and BofA is not responding. This should not be my problem here. The check should have never cleared the account when it was presented to BofA and if should have not cleared my account. I understand the two institutions need do do their due diligence, yet I should not be made to suffer while they work it out. My family is out over {$4000.00} and we are being passed back an fourth like a hot potato. Please help me understand why my funds were not swiftly returned to me and XXXX XXXX as well as Bank of America made to bear the burden of their error.
Consumer complaint received 2023-06-29
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. (CT)

I HAVE BEEN DEALING WITH THIS  COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX) ACCOUNT  NUMBER (XXXX) , AND EVEN WHEN I HAVE DISPUTED IT  WITH TRANSUNION JUST ABOUT 3 TIMES , INCLUDING ONES THAT I DID CALL  TRANSUNION ON (XXXX)  TO THE  DISPUTE DEPARTMENT WHICH  AT THE TIME THE GENTLEMEN WHO WAS RUSHING ME TO COMPLETE DISPUTE AND NOT VERY HAPPY  ON PHONE, I HAD THE FEELING THAT NOT A SINGLE THING THAT I WAS TELLING HIM TO STATE IN DISPUTE WENT THRU. THE GUY DID NOT HAVE THAT MUCH PATIENCE WITH WHAT I WAS STATING, NOT A VERY GOOD EXPERIENCE WITH TRANSUNION PEOPLE. 
ON XXXX I GOT  MESSAGE , THAT THEY COULD NOT REMOVE ACCOUNT FROM MY CREDIT REPORT FROM TRANSUNION.
0N XXXX I DECIDED TO GO AHEAD AND PUT ANOTHER DISPUTE ON TRANSUNION WITH  THE DIFFERENCE THAT THIS TIME I WAS GOING TO TYPE IT MY SELF, I DID GIVE THEM DETAILS OF PROBLEMS , AGENCY NAME, AND ALL THE HEADACHES THAT I WAS HAVING DOE TO BAD  CREDIT REPORT. ON XXXX I GOT MESSAGE THAT THANSUNION COULD NOT REMOVE ACCOUNT FROM MY CREDICT REPORT, AND THATS ALRIGHT I AM WRITTING   YOU TO PLEASE HELP ME UP WITH THIS MATTER.
BUT AWAY ON XXXX I DID DISPUTE THIS ACCOUNT (XXXX) WITH XXXX AND THEY WERE ABLE TO  DELETE IT (REPORT NUMBER
XXXX  ), I AM ALSO VERY HAPPY TO SEND PICTURES AND  CREDIT REPORT FROM EXPERIAN  IF YOU LIKE.
I DO WORK VERY HARD AND PAY MY BILLS ON TIME  TO HAVE A GREAT CREDIT REPORT ,  A REPORT THAT LATELLY DOES NOT LOOK LIKE IT JUST TO LOOK BEFORE THIS ACCOUT IN COLLECTION IN MY CREDIT REPORT.
Consumer complaint received 2023-06-29
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. (AZ)

I recently disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was getting approved for an auto loan and then I got hit with a bunch of hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, and an XXXX XXXX XXXX XXXX # XXXX on my XXXX and trans union XXXX XXXX XXXX XXXX XXXX on my trans union.
Consumer complaint received 2023-06-29
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)

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

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : 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 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My legal name is XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX is not associated with me and should be removed from the credit report ). 

I've never resided nor have I been associated with the address as shown on the report of XXXX XXXX XXXX, XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX ( this should be removed from the credit reports ). 

I've been associated with telephone number XXXX only ( all other numbers shown on the credit report should be removed ). 

I habe tons of credit report inquiries on my credit reports that I did not request ( these accounts should be removed )
Consumer complaint received 2023-06-29
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. (IN)

The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX 's XXXX XXXX XXXX XXXX  XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX XXXX XXXXXXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One accessed my credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit reports. 

My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Consumer Financial Protection Bureau Subject : Formal Complaint Against PayPal Regarding Account Limitation and Fund Withholding Dear Sir/Madam, I am writing to file a formal complaint against PayPal regarding the permanent limitation of my account and the withholding of funds totaling {$140000.00}. My name is XXXX XXXX, and my PayPal account is associated with the email address XXXX. I have been providing virtual consulting services to clients, and PayPal 's actions have severely impacted my ability to conduct business and access my rightful earnings. 
Few days ago, I received notification from PayPal stating that my account had been permanently limited without providing any valid reason for this action. As a result, I have been unable to withdraw or transfer the funds in my account, which are essential for sustaining my livelihood and meeting financial obligations. 
I have diligently followed PayPal 's terms of service and guidelines throughout my usage of their platform, and I am confident that there has been no violation on my part to warrant such drastic measures. Furthermore, PayPal has failed to provide adequate communication or justification for their actions, leaving me in a state of uncertainty and financial distress. 
As a professional consultant, I rely heavily on PayPal as a trusted payment gateway to facilitate transactions with my clients. The sudden and unexplained limitation of my account has not only disrupted my business operations but has also tarnished my reputation and credibility in the eyes of my clients. 
I respectfully request the Consumer Financial Protection Bureau to intervene in this matter and advocate on my behalf to compel PayPal to release the funds being wrongfully withheld and to provide a clear explanation for the permanent limitation of my account. I firmly believe that I am entitled to access my funds and deserve transparency regarding PayPal 's decision-making process. I also lost access of my email address associated with my PayPal account so please ask PayPal to contact me at my new email address XXXX. 
including notification of the account limitation and any other relevant documentation that supports my case. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores access to my funds and addresses the unjust treatment I have experienced at the hands of PayPal. 

Thank you for your assistance in this urgent matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-29
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-06-29
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)

I have informed you that you are reporting incorrect information on my credit report, and you have come back and stated that the company verified the information. I am demanding that you provide the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. I was only late in XXXX XXXX XXXX. If you can't furnish what I've requested, these late payments on this account need to be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

I have tried to get my credit report from Equifax and I am only getting error messages. I have called equifax XXXX times over the last month and have not gotten any help to fix this issue. I am not able to see my credit report, history or credit score.
Consumer complaint received 2022-11-28
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)

My name 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 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 2022-11-28
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: EQUIFAX, INC. (GA)

I am appalled by the lack of responsibility on your behalf. When is XXXX going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX XXXX XXXX : {$8300.00} Date Opened : XX/XX/2020 - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX Balance Owed : {$0.00} - Please give proof that my privileges have not been suspended and that this account should be shown on my credit record. Otherwise, delete this detrimental information right away. 

XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} - You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. 

XXXX XXXX Balance Owed : {$0.00} On my credit record, you have shown a DELETED account from another bureau. FCRA mandates that reporting be entirely truthful. Please delete this detrimental information right away. 

XXXX XXXX Balance Owed : {$0.00} - My credit report contains information on a DELETED account from other bureaus. The FCRA requires complete accuracy in reporting. Please promptly delete this detrimental information.
Consumer complaint received 2023-06-29
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. (NY)

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.

has violated my rights. Or list of inquiries 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 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is to inform Transunion that they are breaking the law by reporting this bankruptcy on my credit report. 1. I never gave you or any other agency permission to put this bankruptcy on my credit report. You need a " permissible purpose '' or my written permission to report items to my credit report. 2. you have infringed on my right to privacy by reporting this illegal and inaccurate information. I recently wrote the U.S Bankruptcy courts and they informed me that they do not report to anyone. I went ahead and contacted XXXX. They said they do not report to anyone also. I then contacted XXXX XXXX and they too let me know that they do not validate anything from the courts. The 3rd thing that is wrong with this Bankruptcy being reported to my consumer reports is that you aren't even reporting the balance that is owed. Under the law, I have the right to fair and accurate credit reporting. So please help me understand how you are reporting this Bankruptcy on my credit reports when no one can validate it. If you can not provide me the information on who validated this account. 
1. Name of the person you contacted, business address, and telephone numbers so that I may follow up.

2. How did you contact the furnisher and verify my information?

3. What paperwork you used to verify my information? 
I would also like to know if the person you contacted gave my name, social security number and birthdate, and address. 
Since this information was obtained illegally and since it infringes on my right to privacy I want this Bankruptcy removed from my credit report immediately and provide me with an updated credit report. I appreciate you investigating this matter and giving it the attention it needs. Thanks in advance.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MO)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

I messaged cash app after my stocks were illegally sold without my permission. I assumed I had been hacked and found out my account was closed for a violation of Tos.

I had not been logged into cash app for over a year now and can prove I have not. I had tried multiple times thourgh out the day to get the steps of an appeal process. However have been meet with we can not help you further on this issue. I called today as directed by the chat specialist and got the same answer. I am unsure how someone whose never logged in or used the funds or have been paid by anything that violated there tos or fair use procedures. I should not be in trouble or have my things illegally sold when I am not logging in every day.I should also be able to easily find the appeal process for something like this.