davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TN)

Request a debt validation letter and recieved today. Notice the balance from the hospital is less that balanced owed in letter. Noticed the letter stated the account balance. My periodically increase due to the addition of occurred interest as provided in the agreement, with the original creditor are as otherwise prohibited by law. 

This is a medical debit without a judgement they can not legally charge interest in the state of XXXX  called and asked them to remove Intrest and they said they would contact thier client XXXX XXXX or they could waive the intrest if I paid the balance in full.
Consumer complaint received 2022-12-12
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: Radius Global Solutions LLC (TX)

RADIUS GLOBAL SOLUTION XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX This company has violated my rights under the Health Insurance Portability and Accountability Act of 1996 and the the Fair Credit Reporting Act
Consumer complaint received 2022-12-12
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)

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  Retail : account # XXXXXXXX XXXX : account # XXXX CXXXX XXXX XXXX : account # XXXXXXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX 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 2022-11-23
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-09
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: Fidelity National Information Services, Inc. (FNIS) (GA)

Greetings, Chex Systems I recently had trouble obtaining an account with a financial institution, so I checked my Chex Systems report and saw that I had some false and unfavorable information that would have resulted to my application being rejected. I don't recognize the reporting information, therefore please look into it and delete these accounts and queries from my consumer file. As a consumer reporting agency, it is your responsibility to ensure that all information is reported accurately and to omit false information that can not be verified. Investigate and update the information below, if necessary. Thanks.
Consumer complaint received 2023-09-29
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. (NY)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-01-04
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. (MD)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-06-20
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (MI)

Someone used my identity and credit and made me in debt I just now wanted to get into my credit and discovered that someone was using and abusing my credit. They put my year as XXXX I was born in XXXX recent amount of money was written off {$1000.00} past due as of XX/XX/XXXX And the XXXX XXXX thats connected to my Experian credit is not my card. They been doing since XXXX it looks like and I didnt even know until XXXX.
Consumer complaint received 2022-12-13
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (CT)

I am in the process of reviewing my Consumer Reports in detail and noticed that I had several late payments on a closed account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing these payments were late. If proof can't be provided, I demand these payments be updated to on time payments as they should be as I was NEVER EVER Late on any of these accounts. Thanks.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

So a company, that I have no contract with, has bought a delinquent debt and has not only attached this debt onto my credit but has been harassing me daily. I have not received any collection notice, yet I receive phone calls, asking me for private information and practically demanding I pay this debt that I am certain I do not owe.
Consumer complaint received 2023-07-28
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the accuracy of a collection entry on my credit report. The information in question is related to an account held by XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ). I kindly request that this collection account be removed from my credit report as I believe it is inaccurate and unjustified. 

Account Details : Account # : [ XXXX ] Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3800.00} No. of Months ( terms ) : - High Credit : {$3800.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - Reasons for Dispute : Lack of Validation : I have not received any validation or proof of this debt from XXXX XXXX XXXX XXXX or the original creditor, XXXX. As per the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), I have the right to request validation of this debt, and until such validation is provided, the entry should not be reported on my credit report. 

Incomplete Reporting : The collection entry lacks crucial information such as the monthly payment, past due amount, and credit limit. This incomplete reporting does not comply with the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) and FCRA Section 623 ( a ) ( 7 ). 

Date Last Active Inaccuracy : The " Date Last Active '' is reported as XX/XX/XXXX, which is the same as the " Date Opened. '' This is not an accurate representation of the account 's activity and may be in violation of FCRA Section 623 ( a ) ( 1 ) ( D ). 

I am kindly requesting a thorough investigation into this matter, and I urge you to remove this collection entry from my credit report promptly. I expect that the credit bureau will comply with the FCRA and FCBA ( Fair Credit Billing Act ) regulations in handling this dispute. 

Please provide me with written confirmation of the investigation 's progress and the removal of the collection account from my credit report. Additionally, please send an updated copy of my credit report once the resolution has been made. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution
Consumer complaint received 2022-12-06
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. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: NEW YORK COMMUNITY BANCORP INC (CA)

On XX/XX/XXXX my wife and I received a XXXX XXXX XXXX XXXX XXXX  debit card in the amount of XXXX dollars issued by XXXX XXXX XXXXXXXX a service of New York Community Bancorp , Inc, and utilizing XXXX XXXX. On XX/XX/2022 we discovered that the debit card had been exhausted of funds due to three transaction against the remaining balance being paid to vendors that were not authorized by us, in a town not nearby. Nor did we authorize anyone else to make those purchases. The details of these unauthorized payments were discovered by calling an XXXX number on the back of the debit card and subsequently listening to a list of transactions on their automated system. Further inquiry to a number indicated on the website of the California XXXX XXXX XXXX connected us with an individual/representative who had access to relevant account records and transactions. She read us the complete list that we compared to our own records. Three transactions, the most recent posted on XX/XX/XXXX, did not match our records. According to the representative amounts and vendors paid are : {$200.00} XXXX {$54.00} XXXX {$1.00} XXXX XXXX XXXX  If I understood the rep correctly all three vendors are in XXXX Ca. At the end of the conversation I asked the rep her name and which department she worked for the franchise tax board to which she replied that she was actually an intermediary between the state of California and financial institutions indicated on the card. She stated that they would begin a dispute process and if determined to be the result of fraud issue a new debit card to us in the amount of the balance. Besides the loss of funds due to fraud we are additionally concerned that our personal taxpayer information and data may be compromised. We question whether sufficient security is in place to protect us going forward Any assistance in this matter is appreciated.
Consumer complaint received 2022-10-18
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. (OH)

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. 
I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want you to get them removed. 

XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX via XXXX PLUS XX/XX/2022 XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the XXXX Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-04
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: Paypal Holdings, Inc (FL)

Over year ago having PayPal account I noticed I could make donation campaign offered by PayPal and do I did. Some people donated. 
Later on a donation or donations were pulled back using PayPal system by donors. This were XXXX dollar donations. 
PayPal is the owner of site and it's security. After sometime PayPal suspended my account for unknown ( never explained in writing ) reason. PayPal requested full set of verification and I obliged providing Sale personal information. 
Today I noticed, my account is blocked. I have around XXXX dollars that PayPal is refusing to send to me or use it. This is now over a year. I used PayPal in the past and it was horrific experience. I used it again and met the same fraudulent behavior as before. This is malicious intent company and I'm asking you for help. 
Since there is NO communication from PayPal and they STOLE my funds I'm asking for criminal investigation. 
At one point PayPal accused me of fraud. Meanwhile it is PayPal who is responsible for processing donations for my paralyzed family member. I'm appalled that US government is allowing this company to do business on American soil. 
I'm XXXX old XXXX who used PayPal site to run campaign provided and maintained by PayPal to be only treated this way. 
As i mentioned, my experience with PayPal is just mental oppression. 
Cc : DOJ
Consumer complaint received 2022-12-06
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. (SC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.