davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MD)

I appreciate your help, earlier. 

VENMO finally reached out to me and gave a limp explanation that they were concerned that I wanted to put my money back in my bank account. They claimed to not have been able to view the scans of my drivers license... but were unable to explain why they never contacted me to explain the problem. 

However, by forcing me to loan them my money for two months, I was forced to borrow money from my ex to pay for our daughters school supplies, and she demanded I pay her back an extra {$20.00}. It was absolutely humiliating... but it was not due to any mistake of mine. 

I did nothing outside their terms of service, the bank account I used is mine, is the same account I have always taken money out of, and returned money too, any number of times. 

Moreover, I notified them if their mistake as soon as possible. Finally, nobody made any complaint about anything being wrong I know this, because Im the only person with access to that account.

Im glad that theyve agreed to let me have access to my money, but that doesnt make me whole. 

Please help me be made whole.
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (NY)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$24000.00}.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (GA)

XXXX XXXX contacted my mother on multiple occasions between XX/XX/2023 and XX/XX/2023. On XXXX XXXX my mother was informed by XXXX XXXX of exactly how much I owe. I called XXXXXXXX XXXX and attempted to inform her what she did was wrong and she hung up on me. Because of who my mom is and her actions, I choose not to deal with her as I have a history of XXXX, XXXX, and XXXX, well my mother turned around and informed 3 family members who then informed me of the issue. This caused me to go to the XXXX with difficulty breathing and right shoulder pain due to dealing with this issue.
Consumer complaint received 2024-03-12
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct number : XXXX Acct name : XXXX XXXX. 
Acct number : XXXX Acct name : XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX Dismissed Acct number : XXXX Acct name : XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number ; XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX  XXXX Acct number : XXXX Acct Name : XXXX XXXX Dismissal Acct number : XXXX Acct Name : XXXX XXXX XXXX As 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 writing instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer repot containing any of the following items of information any other adverse item of information, other than rords of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s- 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 2019-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I am not having an issue with the actual company ( PayPal ) that the the monetary exchange happened on except for not being able to cancel the transaction. My problem is with the person who turned out to be a fraud or a scam on XXXX. 

On XX/XX/2019, a person messaged me on XXXX about having a certain concert ticket I was searching for. She sent me a screen shot of the ticket I was looking for and it all looked very legitimate. I even asked a friend and she agreed. She wanted me to send her the money through PayPal friends and family. It wasn't a large amount of money so I preceded to send the money. She said she went to verify that the money was there after I sent a screen shot of sending her the money. She was then supposed to email me the tickets. I messaged her twice and then fell asleep ( this was at bedtime ) and this morning I check and the account of the person no longer exists and I can not message her back, the messages are all grayed out and you can't see her profile or find her in a search ( at least under my name ). XXXX XXXX shows this message, " This message is no longer available because it was identified as abusive or marked as spam, '' as the last message I received from this so-called account. As I said I sent the money ( {$40.00} ) on PayPal and was charged a {$2.00} fee for being in another country ( said she was vacationing there and that's why she couldn't go to the concert and was selling her ticket ). I also sent as Friends and Family even though I know that wasn't the best idea but of course if the seller can avoid a fee they are going to try. should have known something was up then but although somewhat sketchy it was not a large amount of money I was paying so it also seemed somewhat legitimate. The money says its supposed to arrive on XX/XX/2019 but I still am unable to cancel the transaction on my PayPal. I realize this money probably won't be retrieved but after looking further into this afterwards, there seems to be lots of SPAM accounts and what concerns me is that this could possibly lead to identity theft or draining my accounts. The XXXX name/profile she used was XXXX  XXXX XXXX or XXXX XXXX XXXX. It shows one way in XXXX XXXX  but seems like it was the other way when I looked at her profile.
Consumer complaint received 2023-02-24
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. (KY)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 15 USC 1681 Section 602 A , states I have a right to privacy.

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (NJ)

I am a victim of identity theft and want to remove the following charges XXXX Convergent outsourcing account number is XXXX XXXX Convergent outsourcing account number is XXXX XXXX Convergent outsourcing account number is XXXX
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$260000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$8800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$7900.00} XXXX XXXX XXXX Balance Owed : {$380.00}.
Consumer complaint received 2023-02-11
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-25
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. (TX)

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft.

Immediate removal of these fraudulent items from my credit report.

An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process.

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion.

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your immediate assistance to remove the following fraudulent items : 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 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 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
Consumer complaint received 2023-02-24
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. (NJ)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-02-24
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 noticed through my credit monitoring there are inquiries on report that I did not authorize. XX/XX/2023 it was added to my credit report an inquiry that I did not do.
Consumer complaint received 2023-02-24
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. (NY)

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

Account name : # XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-24
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. (OH)

I have hard inquiries on my report that are unauthorized on my report and need to be deleted immediately. 

Delete the inquiries listed below : 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
Consumer complaint received 2024-03-12
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. (NY)

I have asked TransUnion many times THE METHOD THEY USE TO " VERIFY '' INFOMATION ON MY CREDIT REPORT IN DETAIL. XXXX, you fail to address that issue whatsoever, several time. You failed to answer me within 30 days which is illegal and by law you must remove the following information. 

NOT MY DEBT REMOVE IT : XXXX XXXX XXXX... 
XXXX XXXX XXXX .... 
XXXXXXXX XXXX THIS WAS ALREADY PAID AS A CHARGE OFF WITH a 1099c I filed with my taxes. YOU CAN NOT COLLECT ON A DEBT TWICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

AND DO THE FOLLOWING BELOW : I dispute your claim and I am requesting validation from your pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

- Provide a breakdown of fees including how you calculated what you claim I owe.

- Provide a copy of my signature on a contract or document that holds me responsible for his alleged debt.

-Cease any credit bureau reporting until debt had been validate by me as required under the FCRA .

- Send me proof that you are licensed to collect debt in my state. Send this information to my address listed enclosed and accept this letter send as my formal debt validation request, which I am allowed under the FDCPA.
Consumer complaint received 2024-03-12
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-25
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. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified XXXX XXXX XXXX XXXXXXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.