davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Received phone call from XXXX threatening to serve me with court papers. Advised me to call XXXX which was XXXXXXXX XXXX XXXX  who stated I had a judgement from Bank of America opened in XXXX and closed in XXXX with a balance of {$17000.00}. I called Bank of America who stated this is not their credit card number. Called XXXX XXXX XXXX  back spoke to XXXX explained this to him and he stated good luck in court and I would be served by XX/XX/XXXX.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with TransUnion expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is 20 increase in 11 months and despite XXXX snd XXXX removing such unautherizrd inquires transunion refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2022-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My name is XXXX XXXX, My PayPal account ( paypal email = XXXX ) got permanently closed for no reason and my business fund ( {$1500.00} ) is stuck in there. 

I have been using PayPal for the past two years without any issues, and suddenly my account got permanently closed on XXXX XX/XX/2022, no reason was given for the account closure. 
Before the closure my account was temporarily limited on XXXX XX/XX/2022 and I was asked to upload my ID and Bank statement, which I provided, the documents got review, accepted and the limit was lifted with 24hours on XXXX XX/XX/2022. 

Then I continued receiving payment with my PayPal account, then on the XXXX of XX/XX/2022 I request to withdraw some money to my XXXX XXXX  account as I normally do, the withdrawal got delayed as am told that it needed to be reviewed, then the next day been XXXX XX/XX/2022 I received an email from PayPal that I can no longer use their service that my account is permanently closed. 

The money I withdrew last got deposited into my bank account after some days, but I still have {$1500.00} on my account which I can't use or withdraw due to the erroric closure of my account ( I believe my account was closed due to some automated error ) I try contacting them via message through the help center but I can't since the send message option is no longer available, I tried calling their helpline but I wasn't given the opportunity to speak with a customer support representative for reasons best know to them. 

My Primary paypal email address is XXXX XXXX
Consumer complaint received 2022-11-07
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. (TX)

I AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (OH)

The account just appeared on my credit report XX/XX/2022 out of nowhere in the amount of {$830.00}. I had nothing on my credit report for this amount anywhere. I have disputed it and asked for written verification of the debt from CENTRAL PORTFOLIO CONTROL, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MN XXXX with nothing heard back. I received ZERO written information via mail.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a payment of {$360.00}, Capital One received the payment, the payment posted through my bank verifying Capital One received the payment yet Capital One has placed a 7 day hold on money they already received verifying the payment that was made. This is a practice that Capital One does without a consumers authorization nor notification or agreement.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX, I went to a time share presentation with my new husband by XXXX, a subsidiary XXXX XXXX. The time share said they were using my social security number to check if I was eligible for the time share and mentioned along the way that I was eligible for a credit card. I told them I wasn't interested in any of the products and signed a piece of paper declining services. Later that day I received an email " confirming my new credit card from XXXX. '' At no point did I agree to a credit card and it was signed up for using my maiden name. I hadn't told the presenters I took my new husband 's name so they signed me up using my maiden name without ever asking my current name. They didn't even ask if I wanted the credit card but I had told them I didn't want to take on any more debt specifically. This is really bad. My new husband and I were in the process of applying for a HELOC to pay for our wedding and I am incredibly worried their fraud is going to prevent me from being able to pay for our wedding. I need help getting out of their credit card and repairing my credit score. Thank you for anything you can do!
Consumer complaint received 2022-03-23
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-23
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. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX .The account : XXXX XXXX Balance Owed : {$11000.00}.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (IL)

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXXXXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXXXXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Consumer complaint received 2022-04-19
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. (IL)

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  Account # XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and 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 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that EXPERIAN was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2022-03-23
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: Verisk Analytics Inc (FL)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account : XXXX, XXXX XXXX Account : 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
Consumer complaint received 2022-03-23
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 XXXX  XXXX XXXX  Account : XXXX, XXXX XXXX Account : 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
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The consumer reporting agencies are continuing to report inaccurate information that I did not authorize or give written instructions to do so. They have also violated my rights by not providing me with the results or information from the investigation.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), DBA : XXXX XXXX XXXX/ ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXcount : XXXX XXXX Balance Owed : {$11000.00}.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (TX)

This account was repossessed and written off, with no 1099 sent to me. This account was repossessed in 2016 sold and charged off sent to collections and still reporting late payments every month. How can a closed charge off account report late payments.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Their practice of charging to transfer Southwest ( SW ) rewards points from one member to another is unethical, deceitful, and easily misinterpreted! On XX/XX/2022 I got charged {$600.00} to transfer XXXX points to my daughter because she was making our reservations for four tickets because she had a SW credit she was using also. When she couldn't use her SW credit and the reward points, she transferred them back to me and also got charged {$600.00}. We thought the charge was a " holding fee '' to complete the transaction and never dreamed that we were actually being charged {$600.00}. Is that even legal to be charged again for points I earned through prior purchases with my Chase SW credit card?

I immediately called SW and spoke with a rep, who eventually transferred me to a specialist and both said they could do nothing. I understand SW will make changes to transactions with no problem within 24 hours with no charges. As we called them immediately after the transfer and we noticed the {$600.00} charges, this should not have been an issue to reverse. Mind you, it was an almost 2 hour call, mostly on hold! Now I have been charged {$1200.00} for NOTHING! This is the first, and last, time we will fly SW. 

In the spirit of transparency and good faith business practice, SW should not allow passengers to transfer points on-line but require them to call and speak with a SW agent. Then the agent can make sure the customer understands that they will be charged an astronomical amount to proceed with the transaction! If that was clear I would never have transferred the points and then have my daughter transfer them back to me. Obviously, we grossly misunderstood their policy on transferring points.

In checking out SW reviews others have also complained of this very same thing. Not that their rating could get any worse as XXXX XXXX XXXX gave them a XXXX  rating and XXXX  out of XXXX  stars. XXXX XXXX website rated them XXXX stars out of XXXX I'd leave a XXXX XXXX  star if I could. Obviously, they continue to practice in an unrighteous manner and the public needs to be alerted so they dont fall victim of SWs unethical, deceitful practice! This practice needs to be exposed and it needs to be changed!
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.