davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
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. (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. 


Account - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX AccountXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights : Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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.

I have also filed an identity theft report with the Federal Trade Commission on XXXX XXXX XXXX., report number # XXXX
Consumer complaint received 2023-02-26
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. (FL)

Incident happened from first time 26 years ago when TransUnion credit report agency start reporting false information on my account. Late payments on credit report are illegal. All consumer reports agencies, including TransUnion, Are in violation of 15 u.s.c section 1692e for false or misleading representation and 15 u.s.c. section 1611 criminal Liability for willfully and knowingly violation on my credit report. 15 U.S. Code 1681a ( 2 ) ( i ). Exclusion : report containing information solely as to transaction or experiences between the " consumer '' and the " person '' making the report. Meaning everytime TransUnion report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n.
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: COOLEY ENTERPRISES INC (TX)

I traded in my XXXX in XXXX-XXXX  and XXXX XXXX In XXXX XXXX didnt finalize my trade correctly it shows I owe a debt when my car was a trade in and my car was paid off. 
I have tried several times to call them over the years and I gave up. I know the importance of my credit and I need this removed This also has caused ( XXXX XXXX to stay on my account from XXXX  because of this error )
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-01-22
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. (FL)

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

The balance on my Wells Fargo Credit Card is showing as {$2300.00} when It was reported on XX/XX/2023 however, my account balance has been {$0.00} prior to XX/XX/XXXX. This false reporting is only occurring on my XXXX credit report. XXXX XXXX XXXX has the balance on this account as {$0.00}. This inaccurate reporting is causing a drastic drop on my XXXX XXXX XXXX. Please get this information updated as soon as possible.
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I have a Paypal Mastercard and a due date of the XXXX, on XX/XX/XXXX I had a payment due of {$25.00}, on XX/XX/XXXX at XXXX I made a payment of {$50.00}. I received an email thanking me for my payment at XXXX. I then received an email on XX/XX/XXXX at XXXX XXXX stating my payment was processed. I then go online at XXXX XX/XX/XXXX and notice I have a late fee. I call the XXXX number and she states their system has not updated and that the late fee will be removed. I tell her there should not be a late fee if a payment was made on time prior to XXXX like your contract states. She then tells me the same thing. Reading online these seems like a tactic they use to collect late fees from customers who pay on their due dates. This can not be right. Thank you
Consumer complaint received 2023-05-11
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. (MI)

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-02-26
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. (TX)

the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/XXXX for a debt that was never owed with an innacurate amount and bought from another company when I never signed any documents this debt collector that must be removed as soon as possible having no responsability of the debt. 

In Accordance with the Fair Credit Reporting act XXXX  the Account from, XXXX XXXX XXXX last date of the last activity Date XX/XX/XXXX account number XXXX has violated my rights. 15 U.S.C 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 an account without my written instructions.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My XXXX XXXX card statements paper statements stopped delivery to my new home address. When notified by chase via email that my account was past due to paid the entire bill off in full. XXXX also removed all late fees and interest fees. However they are still reporting past due on my credit report.
Consumer complaint received 2022-12-22
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. (GA)

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2022-12-22
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. (MO)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

PayPal allows anyone to send funds to anybody, without prior acknowledgment. 

My friend sent me {$130.00} to reimburse me for an expense. 
According to PayPal, she sent as a commercial transaction instead of personal transfer. I don't have any control over who and how they send me money. She did put a note that this was a transaction between friends. 

Upon receipt, I notice PayPal charged ME a fee. I tried to work on that with PayPal, but it's PayPal so they don't help in any way. Had they looked my account, I don't have any indication that this could be a commercial transaction, this was a transfer between friends. 

PayPal suggested me to refund, however I would still have to pay XXXX in non-refundable fee. See the problem here? Someone sent me money, I decided not to accept, and I still have to pay a fee ( not the person that sent it by mistake ). I'm paying for someone else 's mistake. Something completely out of my control, and I'm the one being charged a fee. How is this legal to be charged a fee for something you don't accept? If a fee must be charged, I'm not the one to pay for it. I did not initiate this, I did not sent any request, I made no mistake. How is it legal that I'm the one paying a fee?! 

The problem doesn't stop there. The representative said multiple times I'd be charged XXXX fee. I proceeded with the refund, and I was charged XXXX in fees. I wrote back asking about this difference, and then they said yes, my fee is higher and should be XXXX. You see the next problem? None of the fees PayPal told me matches what I was charged, which is higher. 

By the way, PayPal, of course, does not allow me to save the conversation to share with regulators. Isn't it nice? I had a lot of work to be able to copy and paste, and it is attached. There is a reason for them to make it difficult. 

This is clearly lack of regulators watching what these companies do. Why? Someone is probably making a lot of money, because it's unacceptable to have so much uncertainty in the financial industry. PayPal is taking advantage that regulators are not watching their operations. 

I regret choosing PayPal and that was the last time, I promise you. I thank PayPal for giving me the opportunity to find a competitor that made everything so much faster and simpler ( XXXX ) and, fortunately, I won't use PayPal or Venmo for any transaction in the future.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

My information with equifax has been breached, here 's the proof and they refuse to delete this account, errors in addresses and false inquires. So please delete this from my credit report immediately, as I was a victim of this data breach. 

XXXX : XXXX XXXX : # # # # # # XXXX XXXX XXXXXXXX cross keys office pk. XXXX NY, XXXX Phone # XXXX Equifax is reporting these addresses in error on my report. Please remove from my credit report immediately. 
Address error : XXXX XXXX XXXX neptune XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX delray XXXX fl XXXX XXXX XXXX s. XXXX XXXX XXXX XXXX lake worth fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX these hard XXXX XXXX and never authorized. I have disputed these before already and they refuse to remove them along with the addresses. 
XXXX XXXX XXXX XXXX XXXX coast RV XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One will not let me access and send money through XXXX that is in my checking account. I had to call 8 separate times and each representative tells me a different answer. The funds are being flagged as suspicious. Ive called given all information and nothing is suspicious. However, they will not let me access my own money and send the money. I was told to wait 24 hours, lower the amount sent and other options. Nothing works or has resolved the issue. I need to send this money and it is in my account and no one will help me. Let me send MY Money through XXXX. Quit freezing my own account and figure out how to let people send this money not that it is automated and no one can help me.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Sending several times of multiple letters, unverified inquiries listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries which are still showing on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (MD)

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 : Oswald Nkimbi, 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 2024-03-14
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-26
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. (MI)

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, Account name : XXXX. DATA 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 2023-05-24
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}