davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (OH)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-15
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 ()

I believe that it was a mistake to close my Paypal account. I am using my Paypal account for my online business. I am XXXX XXXXXXXX XXXX  since XXXX XXXX selling virtual products and services. My paypal account XXXX has stucked funds in it that I have to withdrawn asap. I just started my online business and yet Paypal limited my account. I am hoping that I will get back my account and able to withdraw my funds.
Consumer complaint received 2022-05-15
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 ()

I believe it was a mistake to close my paypal account. I am using my paypal account for my online business mostly XXXX XXXX XXXX  since last year 2021. My paypal account XXXX was permenently limited and I need my account so that I can receive payments from my business. And I am hoping that I will get back my account. Thank you and Godbless. 

For identity verification, I attached my valid. Please see attachment.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KS)

I filed a Chapter XXXX bankruptcy XX/XX/XXXX and should be protected by the automatic stay provided by federal bankruptcy law which prohibits creditors from seeking payment until my bankruptcy is discharged. The soonest my bankruptcy will be discharged is XX/XX/XXXX. I received a letter from fedloan servicing dated XX/XX/XXXX requesting I recertify my payment plan or pay {$430.00} starting XX/XX/XXXX. From my understanding, this is a violation of federal bankruptcy law. My attorney has contacted FedLoan and sent paperwork requested several times. I have also been working with a HUD-approved credit counseling agency to help me resolve this matter. XXXX shows my bankruptcy claim as active. This has been explained to several FedLoan Servicing customer service representatives, none of which have the slightest clue as to what I am explaining and could seem to care less when I explain that this is illegal practice and FedLoan could get into legal trouble not complying with federal bankruptcy laws.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (NC)

Inquires I did not authorize. 

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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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 XXXX  Account # 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 setcion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-15
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)

I noticed that the account below is not displaying accurately. 

I'm requesting the following accounts be verified properly or deleted immediately, because the account type, date opened, status date, balance updated, creditor phone number and addresses are inaccurately reporting on my credit profile. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( TRANSUNION ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX & XXXX. I placed two orders with two separate companies for products being sold on their website. I was going to use my PayPal account to pay for the purchases I was making. I was informed by both sellers that I should use the " Friends & Family " option for my payments, due to the some website transaction glitch on their end. I thought nothing suspicious at the time & made my purchases for {$280.00} from XXXX on XX/XX/XXXX. XX/XX/XXXX I was making a purchase from XXXX for {$370.00} & was informed of the " Friends & Family '' option as well. I was sent emails with my transaction purchases & given an email address to use as the recipient address for the payments. I made the transactions & sent the requested payment info to the sellers. I was informed that they would soon be processing my orders & would be sent an email with tracking # 's for the purchases. After 5 days I tried reaching out to both sellers. I got no response from either. I then contacted PayPal to report my account issues. I was informed that I was denied fraudulent status on both transactions because of the " Friends & Family '' option was used for the purchases. They never reached out to me for more information about the transactions. I saved all the back & forth emails from me and the 2 sellers as proof of the transactions being pushed as " Friends & Family ''.
Consumer complaint received 2022-05-15
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. (DE)

I contacted the companies three months ago multiple times because I pulled my XXXX credit reports because I am in the process of purchasing a home and noticed a lot of inaccuracies a crossed all three credit reporting agencies. For example, one of my accounts states I was late on XXXX XXXX  times, XXXX XXXX, and Transunion XXXX. Another example, one account reporting open on XXXX and closed on Transunion. There are also collections reporting on my reports I never did business with that don't belong to me. The Reporting Agencies refuses to remove unverifiable late payments and accounts. 
In 1970, The Fair Credit Reporting Act was passed into law to help ensure the accuracy, fairness, and privacy of the information in consumer credit reports. The FCRA requires Reporting Agencies remove outdated negative information and inaccurate information disputed by a consumer. Individuals have the right to request a copy of their credit report, to dispute incorrect information, and to ask for verification of the information contained within each credit report. 
If the Reporting Agencies can't validate or verified accounts with proof, the account must be deleted immediately. The reporting agency keep sending me documents stating accounts was verified without providing me proof. I keep asking for proper documents the agency 's are using to validate and verify account information but never received it. 
I just want fairness and accuracy.
Consumer complaint received 2022-05-17
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)

I have brought it to the attention of Transunion that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Transunion has ignored my previous request to update my utilization to 0 % and XXXX balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (OH)

New to using cedit, went to buy a car multiple places and they ran my credit at so many different places that i did not authorize trying to get me financed. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (WA)

I am Trying to purchase insurance however the reporting agency lexisnexis, listed me as at fault for 2 accidents that was the other drivers fault. It is quite implicit in the police reports that Im not at fault. This error is costly about 250 $ difference a month in cost. And cost me my job I was let go from work due to this issue.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

My complaint is with the Credit Bureau Equifax, XXXX and XXXX. There is a collection company called XXXX XXXX XXXX XXXX that was moved off my credit report last year with the same account and same balances that the company did not provide or have validation for. They were trying to collect on an account that was suppose to be sent to Medicaid because I am XXXX and receive medicaid. This company was removed last year and it is illegal for the credit bureaus to put this back on my report. I don't know if it's a miss up due to the Equifax breech, but this needs to be investigated and removed. Or I will seek legal counsel.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX of last year I heard about Equifax data breach which got me worried enough to purchased a copy of my credit report from XXXX that got me so disappointed to find out that I have been a victim of identity theft. I discovered that someone unknown to me had used my personal information to get credit cards and personal loans from the following companies : XXXX XXXX XXXX and XXXX and XXXX XXXX. I immediately contacted XXXX identity theft division and told them of my finding which i got advise by a very helpful person by the name of XXXX to file a police report and an identity theft report and send it to every credit reporting agency along with the copy of my credit report and copy of my id and social security and let them know which account was opened up fraudulently and they would block those account from my credit report. Both XXXX XXXX and XXXX had removed those fraudulent accounts from my credit report immediately, but in other hand i been having problem with EQUIFAX and after going thru waiting for hours to speak to some one and sending them my FTC report and police report still we are at the same stage, not only nothing has not changed they never indicated that account ever been under investigation which brought me here for your help.
Consumer complaint received 2022-05-15
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. (CA)

In accordance with the fair credit reporting act XXXX  Account/ XXXX XXXX acct # XXXX / XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  ( credit union XXXX acct # XXXXz 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 2it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-15
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. (PA)

This is XXXX XXXX submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
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 XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-15
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online freelancing. 
My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 
For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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

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

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-15
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-05-15
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX