davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, an automatic payment for {$4.00} was processed by PayPal and should have been deducted from my established " preferred '' bank account. Instead, PayPal deducted the funds from a secondary account which incurred XXXX  transaction fees totaling {$15.00}. In previous months ( XX/XX/XXXX- XX/XX/XXXX and all of XXXX ), funds were properly deducted from the primary " preferred '' linked account. 

The linked, " preferred '' account was fully funded and could process the transaction. PayPal 's use of XXXX is not allowed to access my primary " preferred '' linked account.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, Experian, XXXX and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-04-10
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. (AL)

In accordance with the Fair Credit Reporting act, 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 2 : it also states consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-10
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. (AL)

In accordance with the Fair Credit Reporting act, 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 2 : it also states consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-10
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. (AL)

In accordance with the Fair Credit Reporting act, 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 2 : it also states consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-10
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 XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Management Solutions, LLC (MD)

This is a follow up to complaint # XXXX. 

FMS informed you all that the account I've been disputing since XXXX would be updated by XX/XX/XXXX to state included in bankruptcy with a zero balance. 

In reviewing my credit report, they still reported a balance and never made good on their word. 

This is fraudulent and defamation of my character as they're continuing to report false information about me. 

Attached is a screenshot of the XX/XX/XXXX reporting.
Consumer complaint received 2020-02-09
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: Innovis (NC)

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX  HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX 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 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

After Costco/Citi closed my account, they sent a letter ( attached - XXXX inquiry ) asserting that there was still a balance owed of {$1900.00}. In fact, the balance was already paid in full and there was a credit balance of {$63.00} ( attached - XXXX your weekly balance alert ). 

XXXX knowingly misstated the balance of my account and claimed that the online account was inaccessible. In fact, the account is still there and generating automated notices that contradict XXXX 's letters to the CFPB and me. 

I want XXXX to send me a cashier 's check for the full credit balance on my account within 24 hours, and submit a written apology to both the CFPB and me for their conduct.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

hi i went over my credit report and i found out i have inquiries and collections accounts i called the reporting agencies and let them know the inquiries and negative items/collections/charge off in the document included below are not supposed to be visible on my consumer report. I NEVER gave them written consent to report them Pursuing 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2022-04-10
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc. (PA)

Finance System of Richmond received my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. I even attached a copy of the original letter they received via certified mail. they still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 While at a XXXX Bank branch in XXXX Florida we discovered a personal loan of {$6400.00} in an account in my name in XXXX XXXX XXXX FL with XXXX XXXX XXXX XXXX 

My Credit Score drop from XXXX to XXXX because XXXX failed to verify the proper identity of the loan 's owner. The owner failed to make any payments on their obligations. XXXX is a loan agency based in California. The XXXX bank agent informed us that the account was in my name and used my SSN. The bank agent told us that the phone, mailing, and email addresses were not the same as our contact information. 

XX/XX/2022 I created a new email address ( XXXX ) and reached out to the XXXX Customer Complaint email address ( XXXX ) and demanded that they correct their error. 

I received a reply fairly quickly on XX/XX/2022. 

I found out the unauthorized XXXX account was created on XX/XX/2022 with account # XXXX using my name. This information was posted on XXXX XXXX, XXXX, XXXX, and TransUnion. 

XX/XX/2022 I received an email from an unknown person at XXXX stating they filed the proper paperwork and will follow up as soon as possible. 
I replied thanking them for their fast reply but feel the message from XXXX was auto-generated. 

XX/XX/2022 My research with the various credit bureaus yielded additional information which I provided to the XXXX complaints email. Not a single individual has yet to reply to me from XXXX. 

XXXX XXXX Received another anonymous reply from XXXX but was not provided a case number nor any indication of urgency. 

The unknown person stated, " We are sorry to hear about the trouble that you recently experienced with us. Our Customer Experience Department is still looking into it and will follow up as soon as possible. '' Sincerely, Customer Service XXXX XX/XX/2022 ( today ) I filed a complaint with the Federal Trade Commission ( FTC ) and the CFPB against XXXX XXXX for their part in identity theft. 

Soon we will report this to local enforcement as recommended by numerous agencies including the FTC.
Consumer complaint received 2022-09-26
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-09-27
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 with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Consumer complaint received 2022-04-10
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  L Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account 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 an account without my written instructions
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AC AutoPay LLC, Denver, CO Branch (GA)

I applied for a refinancing loan from a website through XXXX XXXX by the name of AUTOPAY ( XXXX XXXX ) on XX/XX/2021. I provided all of the required information to loan officer XXXX XXXX ( XXXX ) online. I was sent a package through docusign for all documents to be signed printed and have notarized. I repeatedly asked was the loan approved. She ( XXXX XXXX ) reported yes and this is why i had to get power of attorney for title transfer notarized. I later called because i wanted to know when they was gon na pay off the old loan and assume the new loan. At this point i was told they needed more check stubs. I get paid monthly on the XXXX and had already given the stubs for the prior two months. I explained I would not have another stub until XX/XX/2021. She insisted the lender needed another stub immediately or the loan would be denied. How can i provide something I don't have until I am paid on the XXXX? I explained and asked why do he need another stub? I provided tow months prior and I have to wait on pay day to provide XX/XX/2021. I also stated i have bank statements, w2 for prior year and I don't understand why they needed something I don't have until payday. I was asked to send information I have not receive myself ( Check stub XX/XX/XXXX ) .Later I received a denial letter stating something different then reason i was told denied.
Consumer complaint received 2021-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I am filling a complaint against COLLBUREAU because they are attempting a that is I do not owe them. Account Name : COLLBUREAU, Account Number : XXXX. 
I would like for COLLBUREAU to show proof of verification that I owe them {$1500.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (FL)

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET AND IT BEEN ALMOST 90 DAYS ALREADY. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS AND WON'T TOLERATE IT ANY LONGER.
Consumer complaint received 2017-06-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

XXXX  closed all of its schools, I have a private loan in the amount of  XXXX  which Navient has in debt collections.
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School :   XXXX   XXXX   XXXX   Lender : NAVIENT CREDIT FINANCE CORP Disbursement Date  XX/XX/2007  Original Principal {$9400.00} I have not transferred any credits from   XXXX   and should be eligible for forgiveness. I attended less then a semester and was mislead to believe this student advantage loan could be consolidated with federal. They used misleading tactics and have been closed due to these false, predatory and misleading tactics.
Consumer complaint received 2022-10-12
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)

Transunion is reporting credit utilization and late payments on an account. I told them to remove this account ( XXXX XXXXXXXX ending in XXXX ) and they did not. I am in dispute currently with the account for a billing error. 

Transunion is willfully being non-compliant with my written instructions and has cost me personal loans, housing and credit because of their negative, adverse reporting. 

Transunion is violating the FCRA by reporting experiences as to credit utilization and late payments, going against my written instructions of deleting said account ( as they do not have permissable purposes ), and being willfully non-compliant on fixing this matter. I have evidence, a paper trail, phone calls and video showing Transunion 's constant retaliatory and adverse reporting that is hurting my livelihood, defaming my character and causing stress and anxiety in my everyday life. I will be taking this matter to federal court as I am fed up with their constant violations and disrespect of the law. 

The screenshots are from credit sesame that uses Transunion reports exclusively for reporting.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACOPIA CAPITAL GROUP (AL)

Acopia Home Loans is not following the regulations of XXXX XXXX when consumers are applying for home loans. I was flabbergasted when I was told by the loan consultant that my monthly payment documentation for XXXX student loans is not acceptable due to the deferment and was adamant that " the most we can do is assess .5 % '' of the loan balances. I was shocked that this loan company 's Underwriter submitted this information to a consumer -- making up their own rules and ignoring XXXX XXXX guideline. The statute states the loan company " must '' use documentation when the monthly payment is not specified on the credit report. I submitted three pieces of documentation as to the monthly payments of my XXXX student loans. I am amazed at the deliberate tactics of loan consultants/underwriters here in Alabama to assess this 1 % rule for XXXX XXXX Conventional Home Loans when infact the guideline is clear -- '' must '' use documentation. I had one loan consultant assessed this 1 % rule on a small student loan without my knowledge while I could have furnished documentation, but stated that he is not going to change or correct the issue because closing is on XX/XX/2021. Consumers are being cheated out of qualifying for home loans big time in this state.
Consumer complaint received 2022-10-12
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-12
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-10-24
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. (WI)

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.