davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (CA)

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  Account name XXXX XXXX XXXX XXXX XXXX XXXX  Acount name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name 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. And i have filed police report as well
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I use Bank Of America for my banking, I use there mobile App to pay my credit card bill, around 1 month ago I made a payment and made a mistake, I accidentally paid XXXX on the bill and only owed XXXX to pay off the credit card, I contacted the bank to get the difference put back into my checking account and they told me if they transfered the money back it would be considered a cash advance and it would cost me XXXX or more in fees, I was told in 7-10 business days the money would be deposited into my account, when that didn't happen I called again and they said they sent out a check for the money, I haven't received it either, the credit that once showed on my credit card is gone and I have a regular balance on it like the money never existed, and disappeared into thin air, I have called them over and over and its like the money in the account never existed, I can't get any help in the 5-6 phone calls I have made and I don't trust them, I have been told everything from 2 billing cycles to it will be in the form.of a check, and now it's almost a month later and around XXXX of my money is nowhere to be found
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My loan was sold to Freedom Mortgage on XX/XX/XXXX. I did not receive the notification by mail informing me of this. Additionally, my loan has always been on autodraft, and they removed my loan from autodraft without telling me. Their notification of delinquent payment was delivered to my neighbor who was gone for 2 months. He returned this notice on XX/XX/XXXX. I paid all outstanding payments on XX/XX/XXXX. When I called to discuss this issue the first person i spoke to said my credit score wouldn't be impacted. I spoke to a second person and they informed me that the post office delivering to the wrong address wasn't their issue and that they would be notifying the credit bureaus. 

I have never missed a loan payment in my life. I setup my loans on autopay on all my payments because of my travel and work schedule. In my entire time of having this loan, the purchase/sale of my mortgage has never resulted in auotdraft being removed. 

The loan is current. I do not want my credit score impacted by poor behvior from Freedom Mortgage or delivery errors by the post office.
Consumer complaint received 2024-03-26
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (TX)

Call multiple times a day, will not confirm that they will stop calling me. Claim to be IC Systems but I have no idea who they are and they want me to give personal info which I refuse. They use an auto dialer, dont answer and after about 10-20 seconds the phone rings and they thank you for calling, which I did not. They spoof numbers so the latest was XXXX, yesterday was XXXX.
Consumer complaint received 2023-08-15
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)

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

happy day Please could you help me with my PayPal account? 

I frequently XXXX XXXX XXXX XXXX XXXX XXXX through my PayPal account. 
Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. 
I also make a daily withdrawal from my account after the transaction. 

When I opened my inbox, I just received a notification from Paypal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .This was a system error, I thought. 
I've completed every selling deal I've started, so I have a good track record and no problems. 
In relation to my verified PayPal account, there are no open cases. 
I utilize it professionally so that customers can pay me through the PayPal checkout on my website. 
Customer care informed me that a system had automatically blocked my account and those of others when I called with my issue. 


Please help us to solve this problem. 
Please examine and restore my account as well so that I can continue to use it for business. 
I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. 
Help would be appreciated as My Paypal account was essential. 
Hopefully, I can rely on you for this. 
I'm incredibly grateful for it.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX  XXXX XXXX .... Balance : {$5800.00} ; XXXX  XXXX XXXX XXXX .... Balance : {$6200.00} ; XXXX  XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (IA)

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, 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 2022-11-29
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. (IA)

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, 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 2023-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TN)

ON XXXX XXXX I got a letter in the mail from a company named TRansworld SYstems attempting to collect a debt that I do not owe. I have never had an account with said company XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-02-13
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. (NV)

XXXX  account with acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.
Consumer complaint received 2021-01-13
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: Navient Solutions, LLC. (GA)

In XX/XX/XXXX, I had begun what was suppose to be my last semester in graduate school. The only thing I had left to do was defend my thesis. After several weeks of trying to get in contact with my thesis chair, 1 week after the add and drop period had closed, he finally email me back. Without adequate time for me to make adjustments, he informed me that he was too busy to continue to chair my thesis. I was dropped from my course and had to sit out due to the add and drop period closing 1 week prior. According to the supervisor at the registras office, when they sent the report to the national clearing house to verify student status, I was reported as not enrolled. This started a domino effect. Over the course of the next several months, because I was not enrolled in school, my loans came due immediate, which I was not Informed and did not have access to the school email any longer. I was received a 30 day credit mark and 60 day credit mark for failure to pay. Fast forward to know, this has cause a huge burden on my credit score which is hindering me from getting a home loan. I would have never know these payments were late and the root cause of the late payments if I was not looking to purchase my first home. After speaking with the advocate for department of education, she informed me if XXXX  XXXX XXXX XXXX could change me to at least a part time student for that semester being I was dropped by default and I was not even given adequate time to adjust or I could have changed from thesis to non thesis and picked up the addition course needed for graduation that semester and graduated on time. I spoke with the supervisor in at the registras office. She confirmed I was initially enrolled in at least part time before being dropped by my professor at the time for something that was out of my control. She was not sure if she could change the me to at least part time for spring of XX/XX/XXXX, which is what the representative from department of education stated she needed done in order to correct the reporting on her end. She stated she would get back with me in a couple days. It had been a couple months now, she is not responding to any of my emails nor calls. Back in XX/XX/XXXXwhen this first happened, I had the local news involved. They were about to pick up the story but ran into a road block when XXXX XXXX XXXX XXXX would not give them information about the case. At that point they wanted me to get a lawyer to avoid Any potential lawsuits. At the time I did not have time, being I had already moved on to another state, nor the funds to afford an attorney. This has caused me 1.5 years of lost time, money as well as denial of a Mortage.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have reported to the Federal Trade Commission that I am an identity theft victim because someone stole my phone, identification, wallet, credit cards, etc. I have disputed incorrect informatio n ( b ankruptcies, liens,  XXXX   XXXX   XXXX  and   XXXX   XXXX    ) b eing reported on my credit reports with the  XXXX  credit bureaus but to no avail. I am a victim of identity theft. I have placed an identity fraud on all of my reports, I have contacted the clerks from the superior courts and  XXXX   XXXX   ( w hich has a freeze on reporting any information to any agen cy ) to  inquire about erroneous information being report and was informed by them that they are not reporting any information to the  XXXX  credit bureaus. This has caused a hardship for me and I am prepared to file a complaint in civil court to resolve these matters if they are unwilling to resolve these issues..
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NV)

yes I have been with citi bank for a long time and i'm trying to applied for a Costco credit card since I shop there often but they keep on denying me even when I have a high credit score, what is the deal citi bank why can't I applied for a Costco credit card
Consumer complaint received 2018-10-09
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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION (TN)

My Payments with Regions credit line in XXXX was late, and was paid in XXXX. Although I paid account to {$0.00}. Regions did not accurately display my payments as they said both months were late. 

I contacted Regions and told them the reason I missed was because of bills not being accurately sent to my address due to me moving, and I also did not get correspondence from Regions that I owed. I thought account was at {$0.00}.
Consumer complaint received 2015-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (CA)

I received numerous letters and phone calls from this collection agency over the course of years. I did not recognize the debt however in order to rid myself of the problem, when I received a letter that was an offer of settlement for an amount that I could afford, I sent in the payment. I 've since learned that this debt is barred by the Statute of Limitations and not even on my credit any longer! Instead of receiving a letter acknowledging the debt payoff, I received another bill for the balance! I wrote on the back of the check and on the return stub ( see attached ) that it was an accord and satisfaction. I hope this will stop them from trying to revive the debt. Outrageous!
Consumer complaint received 2022-10-22
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. (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. 

XXXX XXXX  ( Original Creditor : 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 2023-02-03
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. (UT)

I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.
Consumer complaint received 2017-05-06
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. (GA)

I have reported to the Federal Trade Commission that I am an identity theft victim because someone stole my phone, identification, wallet, credit cards, etc. I have disputed incorrect information ( bankruptcies, liens,  XXXX   XXXX   XXXX  and  XXXX  Bank ) being reported on my credit reports with the  XXXX  credit bureaus but to no avail. I am a victim of identity theft. I have placed an identity fraud on all of my reports, I have contacted the clerks from the superior courts and  XXXX   XXXX   (  which has a freeze on reporting any information to any agency  )  to inquire about erroneous information being report and was informed by them that they are not reporting any information to the  XXXX  credit bureaus. This has caused a hardship for me and I am prepared to file a complaint in civil court to resolve these matters if they are unwilling to resolve these issues..
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.