davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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. (PA)

I, XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CONDOR CAPITAL CORP (VA)

In XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The lender at the time was Condor Capital who was later shut down by a court in N.Y. for fraud. I had full gap insurance included in the bill of sale which covered loss of employment. Roughly six month after purchase, I lost my job and couldn't afford my monthly installments and the vehicle was repossessed. At this point the debt was relieved by the gap insurance and I no longer assumed the burden of the loan. I then moved abroad to XXXX and lived there for the next six years. During that time, apparently I was taken to court via XXXX XXXX and never received the warrant for debt as I was living abroad prior and during that being issued. I filed a complaint with the credit reporting agency that this collection was invalid and they removed it from my credit file. Seven years later in XXXX, XXXX XXXX XXXX wrongfully placed a lien on all bank accounts and withdrew about {$380.00} from my bank account prior to the most recent court hearing. Six months passed after speaking me and XXXX is still trying to pursue this invalid debt upon stating to him that I had full gap insurance that covered the vehicle.
Consumer complaint received 2023-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (CA)

In XXXX, XXXX, we entered into an agreement with Mosaic ( and XXXX XXXX  ) to have an XXXX XXXX XXXX  ( XXXX  ) built in our back yard, with Mosaic providing financing for it. The contract did not progress. Mosaic released funds to XXXX. But after 16 months, no work was done, and XXXX did not respond to our phone calls and e-mails. We e-mailed Mosaic in XXXX, XXXX, and they told us to provide documents and a photo of the ( untouched ) construction site, and we did so ; Mosaic said they would start a fraud investigation of XXXX. Since then, we have made numerous requests for status from Mosaic by phone and e-mail, which went unaddressed, the last of which was on Monday, XX/XX/XXXX. We were assured in no uncertain terms that we would be called ( at any of 3 phone numbers we provided, and 2 e-mail addresses ), within 72 hours, which would have been Thursday, XX/XX/XXXX. We have received no further communication from Mosaic.
Consumer complaint received 2023-10-02
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. (DE)

I have 2 fraudulent inquires with XXXX XXXX bank and XXXX XXXX  that are reporting to my Transunion XXXX XXXX. I believe I am a victim of identity theft. On XX/XX/, someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with XXXX XXXX and XXXX XXXX. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!!
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc. (CA)

My girlfriend and I purchased groceries on her girlfriend 's XXXX account on XXXX XXXX ising my Coinbase wallet debit card. The order total was XXXX but XXXX placed a hold for extra funds in case adjustments were made to the order for substituted items. The total hold amount was {$100.00}. So the difference was to be returned to me. Normally I receive these types of returned adjustments in minutes, or in some case no more than 3 to 5 business days in light if the allowed 1_10 day timeframe because it never and should never take that long after they have marked a transaction as completed. Coinbase marked the total amount t if {$100.00} authorized complete on the purchase date. They should not have marked this complete to the merchant not submitting that value as the final amount. I have since been waiting for these balances to be returned to my Coinbase card account in the amount if approximately {$25.00}. I believe the merchant and/ or the bank are handling these types of processes with little regard to the consumer once it reaches the point of just unnecessary delays. And it has been proven that the amount was finalized already. I can not get any type of update ipr help from Coinbase and in this regard, after further reviewing my account, I can see this transaction shows pending foe {$100.00}, however they also marked it as authorized completed. In addition to this issue I have discovered pending transactions that are over 1 year old from XXXX XXXX, XXXX  and also another from XXXX of XXXX. There have been at least 3 occasions whereas Coinbase has not properly reconciled my balance payments and ultimately kept monies from XXXX  purchases that they had on hold and never returned to me. Due to the confusing way that they delivered amd changed the transaction settlement dates, it makes it impossible for me to prove the overages so I ultimately end up taking the lose and just end up hoping rhat they will discover the overage upon their end of the year reports, but they did not. They owe me over {$75.00}, not including the current XXXX adjusted balance from the transaction on XXXX XXXX, for additional transactions in crypto purchases in the Coinbase app, and in store purchases using my Coinbase card. The transactions were either cancelled in some instances or placed on hold and never reconciled. At this point I am just frustrated and perhaps am leaning towards demanding an investigation into the handling of their customer account funds and banking transaction/activities.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (FL)

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : GM FINANCIAL {$13000.00}
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Ensuring that payments are always made on time for this account has been a priority, ensuring they never slip into arrears. I'm unclear as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.
Consumer complaint received 2023-10-02
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. (MS)

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 a 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 2024-04-04
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. (IN)

FCRA 605B, in my interpretation, demands the exclusion of any mistaken accounts from my credit report. Would you mind examining the paperwork? Certain accounts listed are inaccurate in terms of reporting, amounts, and dates.
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I'm not liable for the debt with midland credit management. I do not have a contract with midland credit management. They did not provide me with a original contract concerning this debt. They also have not contacted me via phone call or mail.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX.
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NC)

I received a collection from TSI regarding an account with XXXX opened in my name with all my information. I have sent what the collection company requested to dispute this debt. I will contact XXXX as well. I am not responsible for the account.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

All your attempts to collect a debt that is not yours have been removed from My credit which you unlawfully obtained. Please refrain from contacting me as your in violation of credit act neither bi phone or bi mail as I do not owe you any money or intend to pay you any money.. not to mention allegations of your debt is beyond statue of limitations. Any further communication will be considered harrasment as I am making a comeplaint telling you to stop contacting me.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

Dear CFPB Representative, I am writing to file a complaint and seek assistance regarding the unjust closure of my PayPal account, and I kindly request your help in investigating this matter. I am deeply puzzled and disappointed by this situation, and I hope that the CFPB can assist me in resolving this issue. 

On XX/XX/2023, I received a notification from PayPal informing me that my account had been closed. However, the notification did not provide any specific explanation or reason for the closure. As a long-term user of PayPal, I have never violated their terms of use or engaged in any improper activities. Therefore, I am extremely confused as to the reasons behind the closure of my account. 

I have attempted to contact PayPal through their customer support channels, but unfortunately, I have not received any detailed explanation or resolution regarding the closure of my account. This has left me feeling very frustrated, as I rely on PayPal for online transactions and financial activities. 

As a consumer, I believe that I have the right to fair and transparent treatment, including in situations involving account closures. I trust that the CFPB, as an independent agency dedicated to protecting consumer rights, can assist me in investigating this matter and engaging in discussions with PayPal to find a resolution. 

In this letter, I sincerely request that the CFPB take the following actions : Investigate the reasons behind the closure of my PayPal account and request PayPal to provide relevant explanations and evidence. 
Exert pressure on PayPal to handle my appeal fairly and reconsider their decision to close my account. 
Provide any necessary legal or regulatory support to ensure that my rights are protected and that I am treated fairly. 
I believe that CFPB 's intervention and investigation will help resolve this issue, and I hope for a prompt handling of my application. I am willing to provide any additional documentation or evidence to support my complaint. 

I look forward to the support and assistance of the CFPB, and I hope for a timely resolution to this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX Paypal account : XXXX XXXX
Consumer complaint received 2023-08-09
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. (FL)

Its a Experian a joint account my part was taken care off its my ex husband but it got charge off/written off XXXX $ XXXX Fed XXXX XXXX XXXX Its shows more than XXXX and the other shows clear also not on the othe creditXXXX XXXX XXXX then XXXX Bank acct XXXX written off was forgiven the acct also XXXX Fed XXXX XXXX acct XXXX XXXX $ written off
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXXXXXX  I received an email from XXXX XXXX at " XXXX XXXX XXXX, a debt collector '', stating they are trying to collect a debt that I owe to LVNV Funding, LLC. 
The original creditor is listed as XXXX XXXX  with account number ending in XXXX, and it said I owe {$2300.00} from XXXX, XXXX. I responded to the email advising her I do not recognize the debt and that I was disupting it, and asked for PROOF/verification to be mailed to me in support of their allegations that I owe XXXX XXXX  this amount they are claiming. On XX/XX/XXXXXXXX   I received a letter dated XX/XX/XXXXXXXX  from " Resurgent Capital Services '' on behalf of current owner LVNV Funding, listing XXXX XXXX  as the original creditor. The letter does not indicate what type of an account this allegedly is ; it simply lists XXXX XXXX  as original creditor, origination date of XX/XX/XXXX, chargeoff date of XX/XX/XXXX ; and that they acquired the account on XX/XX/XXXX. First, this loan originated TWENTY ( 20 ) years ago. AT NO TIME between today 's date and origination date of XX/XX/XXXXXXXX  have I ever received any written correspondence nor any collection notices from XXXX XXXX. The letter from Resurgent Capital Services includes a Texas disclaimer stating due to the age of this debt, they can not sue me nor report it to any credit reporting agency. Despite my request, they have failed to provide any copies of original loan documents, or anything with my signature on it verifying that I willingly agreed to borrow any money from XXXX XXXX  20 years ago. As Texas prohibits them from suing me or negatively reporting to the credit bureaus for this debt due to its age, they can not continue to harass me and pursue me for this debt, so I question why they are still allowed to contact me when they legally can not continue pursing me for this.
Consumer complaint received 2023-10-02
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. (PA)

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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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.