davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft and there are names and addresses on my credit report that does not belong to me. I have contacted the companies to remove these items but they have failed to do so. The phone number on my file also does not belong to me please remove these items to minimize more theft. I do not want my information to continue being compromised and sent to addresses I do not reside at. The following addresses need to be removed as well as names and number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXemove the information above from my credit report. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX  and the correct name is XXXX XXXX will attach my FTC report as well.
Consumer complaint received 2023-03-07
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. (MO)

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the ( FRCA ) 15 U.S.C 1681 section 602A States " I have the rights to privacy, and 15 U.S.C 1681 604A section 2 states " A consumer reporting agency can not furnish my account without my written instruction.
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (VA)

CBE group XXXX XXXX XXXX XXXXXXXX XXXX, IA XXXX Account XXXX Number XXXX They have tried to access my bank account with out a court order. 
I had sent them a letter of declaration of proverty. 
I will contact my free lawyer to see what can be done.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc. (NJ)

Skrill Inc withdraw money from account via ACH from my bank account thats not registered in my wallet my account that is registered with them is XXXX they withdraw from XXXX XXXX Account dont know how they got my Checking Account information from my secondary bank. They been giving me the run around for two weeks. Their has been no resolution.
Consumer complaint received 2022-10-29
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. (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. 

XXXX # XXXX DEPT OF EDUCATIONXXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-03
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: OPORTUN FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OK)

They closed my account after I made XXXX payments from my own bank account. unfortunately, I have XXXX XXXX XXXX XXXX XXXX, and I typed XXXX number wrong in my account number, I immediately updated my payment information and made the payment, then as soon as the payment cleared they closed my account.
Consumer complaint received 2020-07-10
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 (GA)

I have had Vemo for a while now and I have a balance of {$130.00} on my account which started to decline one day. I contacted them to see why. They stated I need to verify my identity in which I did. I sent a copy of my ID. After that I then had to contact them to let them know my account was still locked. Then they stated they need statements for accounts I have on file. I sent the statements intermediatel.I do have prepaid accounts linking to Venmo there I sent those statements. I was then told that The statements I have are not the ones for the cards on file which they are. I even offered to have then contact the bank to verify themselves as I have no problem proving who i am. I spoke to an XXXX XXXX and he said since my card number was not stated on the account he could not take the statement. However I can not help that my card number is not listed on my statement as they normally aren't. its an account number that will be listed. Again I have told them they can call the bank themselves. They keep stating I have not verified my identity when I have sent my ID and also statements. I am demanding my funds be released and my account closed as i do not want to deal with them anymore. They are holding my funds and this is a complete scam. XXXX XXXX stated he will hold the funds for up to 180 days however if I sent everything why not release my funds now. I want to close the account after how they are dealing with this issue. I had to contact them from the beginning, The moment they froze my account they failed to contact me at all to resolve anything!. I do plan on retaining a lawyer if my funds are not released as they could easily contact the bank to verify that the acccount is mine being i sent ID and statements that will match the card on file.
Consumer complaint received 2022-10-29
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. (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. 

XXXX # XXXX DEPT OF EDUCATIONXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed an identity theft with Transunion. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Transunion has failed to remove and block this item from my consumer report. XX/XX/2023 they responded with a letter saying that my request is declined becaus they have determined that my request was made in error ; is a misrepresentation of material fact relevant to the requst to block and /or I have obtained possession of goods, services or money as aresult of the transaction issue. This is a violation of my consumer rights. I am demanding the immediate removal and blocking of this item from my report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2023-03-07
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. (WI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-07
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. (IL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (NJ)

Equifax is refusing to block information on my credit report I disputed, I was a victim of identity theft and provided my identity theft report via the financial trade commission and a police report
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WI)

Hi, It is my understanding that a debt collector must furnish a letter within XXXX  days of contacting you. According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX  days after receiving the notice, the debt collector will assume that the debt is valid. Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a five-day letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX  times after the initial contact. I am retired and living on Social Security as my sole source of income.
Consumer complaint received 2021-06-20
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (MD)

I contacted XXXXXXXX XXXX XXXX  company to close the account in XX/XX/year> to close the account. My sister who is a XXXX  passed in another state and I was responsible for her burial arrangements which included transporting her body to Maryland. I was told I could not close the account. The bill is inflated to XXXX, and Jefferson Capital Systems LLC has contacted me through email. I have never done business with them and do not owe this inflated amount. I can not afford to have this added to my credit report and would like assistance handling this.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS 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 XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Consumer complaint received 2024-02-27
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. (NJ)

Account Name : XXXX  XXXX - XXXX I have concerns regarding the inclusion of these late payments on my credit report, and I believe there are discrepancies in the reporting process that warrant further examination. 

Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of the consumer report, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. '' I emphasize that I have not provided written instructions to include this account on my credit report. Did I give you written instructions to furnish this on my credit report? It raises questions regarding the legality of its inclusion. 

Furthermore, I draw your attention to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), Exclusions from a from a consumer credit report CLEARLY STATES ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( a ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, This agency in clear violation 15 U.S. Code 1681 and 15 U.S. Code 6802 These laws state that its illegal to report transaction history without my consent, with I did not give to EXPERIAN or XXXX.
Consumer complaint received 2022-10-29
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Received court summons on XX/XX/21 without prior notice and proof of claim, requesting that the office provide me with competent evidence that I have any legal obligation to pay. 
Request VALIDATION pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2023-03-07
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)

I am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The XXXX XXXX accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.