davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX Credit card account opened XX/XX/XXXX is owned by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL XXXX ; Phone XXXX The account has been paid on time with no late payments. 

On XX/XX/XXXX I applied for a credit limit increase from {$100.00} to {$1000.00}. At the time of the request and currently my credit is in the good standing, and my salary and credit history are good. 

However, the increase was denied. When I asked why, I was told it was based on information in my file- my credit score. I asked for a copy of the denial letter with the referenced credit score. I received a copy of the letter via email and in the mail. It was an old letter dated XX/XX/XXXX which referenced an old credit score from XX/XX/XXXX. Transunion was referenced as the consumer reporting agency. 

On XX/XX/XXXX I called the company again to try to get the old information updated in my file. I spoke to a representative at the number listed above ( same in letter ) and asked why the company is using outdated credit reports and scores to deny credit increases. It was a waste of time. He refused to assist and kept repeating " decisions are based on soft inquiries and credit reports in your file. '' When I asked what is the date of the soft inquiries and credit reports in my file, he kept repeating " its what's in your file and we don't have any control over it. It's automated. '' I countered multiple times saying " if the information is incorrect or automated who can fix it? '' He offered no resolutions and would not help so I asked to be referred to a manager or department who could assist. He said he needed to place me on hold and it would take a while for someone to assist. I was placed on hold for several minutes but no one ever picked up the line nor did he update me on status. 

I am seriously contemplating closing the account since it appears the company does not seem to care about the concerns of loyal customers. Any help provided would be appreciated.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Hello, I received the following fake receipt for a large expenditure. I took no action but the company, PayPal, may want to know these fake invoices are being sent to me on a regular basis. Thank you. 
Best regards
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (TX)

I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next 30 days, anticipating prompt resolution to this matter.
Consumer complaint received 2023-03-16
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)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. 
XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed errors on my credit report with XXXX and XXXX, transunion. XXXX stated they could not dispute my credit so they didnt do their job and ignored my request. I never heard back from XXXX and Transunion.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Frther, I certity that I am permised by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willul misstatements or omissions of material facts consetutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made. fam alleging that a person or company- without my authorization- used my personal Identitying information to apply for goods, services, or money : and, was successful in creating some accounts. All is being invessigated by the FTC
Consumer complaint received 2022-12-10
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. (GA)

This is final attempt before filing a lawsuit. You have allowed XXXX violate my right as a consumer. What they reporting is N inaccurate account. There were unauthorized charges made on this card while I was admitted in the hospital for several months due to XXXX XXXX, surgeries and XXXX. I sent a copy report to XXXX. Have XXXX provide a copy of each transaction along with the signature to each transaction. I have been asking for this and they fail to provide it. I cant believe each credit bureau is allowing them to report this account without asking for documents. I would like for each credit bureau to provide me with validated documents and proof of my signature on each transaction with XXXX. XXXX also have cameras they should be able to review their store cameras and see it wasnt me using the macys credit card. This is my final chance next I will be suing for up to {$15000.00} for each entity thats allowing this account to be reported under my credit file
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (FL)

I am showing on my XXXX account that I owe XXXX to a company and placed in collections with a company called Plaza Services, LLC..It shows the account was opened on XXXX.I have never or ever have I authorize an account from this place XXXX XXXX By XXXX XXXXIt is not even showing that I made an inquiry such as this for that amount with this place.I called and had XXXX put in a dispute on my behalf..I am requesting that this company provide the paperwork that showed I applied and signed off on this loan, the address that its associated with loan.Any letters that were sent, showing that they tried to contact me in reference to this loan.My identity has been compromised and stolen.I have put a freeze on my credit files
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-09-30
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. (SC)

My name is 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 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-10-31
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. (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  Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX 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.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITY NATIONAL BANK (GA)

City National bank crystal visa credit card account Account does not have online access to view transactions and statements. Have contacted banker XXXX XXXX who has failed to respond or resolve the issue over the last 3 months. 

Mr. XXXX XXXX is a delinquent, unresponsive, and incompetent banker.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
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. (TX)

I hope this message finds you well. I am writing to express my dissatisfaction and frustration regarding the late opening of my account with your institution. I initiated the process of opening an account with your organization, expecting a prompt and efficient service. However, to my disappointment, the account was not opened within the agreed-upon timeframe. 

Due to the account not being opened on time, I have been unable to carry out these activities as intended, resulting in disruptions to my personal and/or business affairs. 

Moreover, the lack of communication regarding the reasons for the delay only added to my frustration. I understand that unforeseen circumstances may arise, leading to delays in certain processes. However, as a customer, I expect transparency and timely updates regarding any such issues. 

I urge you to take immediate action to rectify this situation. I kindly request that my account be opened without any further delays and that measures be implemented to prevent similar occurrences in the future. Additionally, I would appreciate it if you could provide an explanation for the delay and assurance that steps will be taken to improve your service standards. 

Please consider this matter with the urgency it deserves. As a valued customer, I expect nothing less than efficient and reliable service from your institution. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$75.00}.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Consumer complaint received 2022-09-30
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. (SC)

My name is 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 2019-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Investors Servicing Corporation, Atlanta, GA Branch (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX TRANSUNION is in clear violation of the law, Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY SAYS that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give TRANSUNION written instructions to furnish these accounts on my consumer report. 

And further, TRANSUNION is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) because three ( 3 ) disclosures were not given to me. The law is as follows : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Before you report my information to a third party TRANSUNION has to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. TRANSUNION did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option. 

And further, TRANSUNION is not obeying Title V of the Gramm-Leach-Bliley Act making them in breach of their own privacy policy which is printed and is as follows : 5. TransUnions credit database We limit access to TransUnions consumer credit database and make it available to only the following : entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act ( FCRA ) ; entities with a permitted use under Title V of the Gramm-Leach-Bliley Act ; companies who resell our data as permitted under law ; and companies who process data on our behalf.
Consumer complaint received 2019-12-02
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. (SC)

I reported to Experian that XXXX XXXX XXXX reported on my credit report that I was in the hospital or had services by XXXX XXXX   on XX/XX/19 so this year and I have not been in the hospital at all this year nor last. Last time I attended a hospital I had XXXX and all medical bills have been paid. I reported this inaccuracy by XXXX   XXXX last year and this was removed from my credit report so I dont know why its on here again.