davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (AL)

XXXX XXXX XXXX XXXX -Local XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.
Consumer complaint received 2023-03-27
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I recently checked my credit report and realized that these accounts are fraudulent. These accounts negatively affecting my account and hindering me from purchasing a home. I want these accounts removed immediately.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (DC)

I am a new business owner XXXX XXXX XXXX  and completed a XXXX  job and my client paid me using Paypal and now Paypal is holding thousands of dollars for 21 days because I am a new seller. Paypal 's online bot assistant 's advice to get my money sooner is to provide a tracking number for the product. I don't sell a product and so I can't provide a tracking number. I also can't get ahold of an actual person to help me. I am trying to survive and pay bills that I incurred to complete this job and can't pay them because Paypal is holding my already earned money hostage. What are they doing with MY MONEY? IT IS NOT THEIR MONEY TO HOLD. I did not see any disclosures saying that they would do this or I never would have used their service. To add to the burden there is no complaint resolution whatsoever and having worked in the financial consumer protection industry for 7 years before starting my business I know that this company needs to be held accountable, fined heavily, and forced to change due to its fraudulent business practices by the Consumer Financial Protection Bureau.
Consumer complaint received 2017-12-15
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. (NJ)

Credit Bureau, Please help. I noticed that the Bankruptcy Docket XXXX is on my credit report and I demand that you remove this public record off of my credit file. I 've written several letter to Transunion about this issue and Transunion have not resolved this matter. Transunion destroying my credit and score due of this error. XXXX and XXXX has already remove the following information. The bankruptcy court does not provide any agency with the debtors Social security number or informing them of bankruptcy filing unless it is specified on your bankruptcy petition. Please completely remove from my credit file. 
According to The FCRA, Section 609 a ( 2 ) I am requesting the following information as proof your company used of process to verify the bankruptcy and if Transunion are unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information such as the following. 
( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information not with a third party source such as XXXX, XXXX or XXXX XXXX. 
Credit Company are not allow to use third party source such as XXXX, XXXXr or XXXX XXXX Transunion when verifying accuracy on consumer Again not disputing the accuracy. Disputing whether Transunion broke the law by verified all information via furnisher, not by third party source such as XXXX, XXXX or XXXX XXXX Transunion hired to collect such information. If so please proof of the information
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-22
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. (NY)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX business account was closed in XX/XX/2020 at Bank of America. I haven't received any mail at home about a remaining balance. I couldn't access the account because it was closed and they continue to pile up the fees without physicals MAIL notification. The balance is now in collection from what the phone rep said.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00}
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was sued by Bank of America for a credit card in XX/XX/XXXX and I do not know if this credit card was actually opened or used by me. In the summons / complaint, they included a copy of a statement from XX/XX/XXXX, but did not include any information that would be useful in determining if this account was actually opened and used by me. This timeframe was during a period in which I was homeless, or in various medical facilities, and I would like to have sufficient information to determine the accurate origin of this credit card, as well as the respective credit card agreement in effect at the time this card was opened.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I am sending the letter XXXX sent in response to a request for proof of debt. I received a letter of explanation but NO PROOF OF DEBT. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the claim is disputed and validation is requested. 

If Macy is unable to provide the proper documentation as requested, all collection activity must cease and desist and all negative reporting must be deleted.
Consumer complaint received 2021-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have paid my taxes and my servicing company Shellpoint has forced placed an escrow account to my payment. When they paid the taxes I sent the money back to them in XXXX of this year after explaining I pay my own taxes. They have misapplied the payment and have yet to rectify the situation since XXXX of last year. My payment has increased from {$1800.00} to XXXX. This is unethical and been a frustrating experience with this servicing company. I have been trying to refinance since XXXX and this has held the process up. I have been negatively impacted by Shellpoint negligence and failure to correct their mistakes timely.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IN)

On XXXX, XXXX, XXXX, I entered into a contract with XXXX, an online car dealer, to purchase a XXXX XXXX XXXX. After discovering numerous negative reviews and a revoked XXXX  rating, I decided to cancel contract on XX/XX/XXXX. I confirmed with sales rep that car was yet to be shipped. I was refunded my {$500.00} deposit, and was assured that lender would be contacted, regarding loan agreement. I received emails confirming cancellation and informing me that car was relisted for sale. 

On XX/XX/XXXX, I received an invoice from Ally Financial, regarding the vehicle that was canceled. Ally states that they never received cancellation notice, and are attempting to collect payment for a vehicle that I do not have. Ally would not access any confirming emails that contract was cancel. Daily calls have been made since XXXX, in the attempt to get XXXX to contact Ally. All customer service reps stated they were unable to help, and would have to transfer me to the " Buy Back '' department. Each transfer resulted in either a dropped call, or a dead end voicemail. Despite leaving numerous voicemails, i have not received any call back from XXXX.
Consumer complaint received 2023-04-03
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. (GA)

According to 15 U.S Code 1681s-2 the responsibilities of furnishers of information to consumer reporting agencies is to update the credit agencies to inform them when information is not longer accurate information. I have file several complaints in regards to a fraudulent inquiry that was placed on my consumer file on XX/XX/XXXX. I have contacted the Financial institutions which is XXXX in several different complaints : CFPB # XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX I received a response back from XXXX and its stated that ( we have submitted an electronic request to have the inquiry generated by the credit application deleted from your credit file ( See Attachment ) .Since then Equifax continue to report fraud on my consumer file. Because of the financial relationship that the credit agencies have with entities I have reason to believe that Equifax and XXXX are willful noncompliance and continues to report fraud for financial gain and attempt to ruin my financial reputation. On XX/XX/XXXX Equifax response back and stated that XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. They also stated SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZE PLEASE CONTACT THE CREDITOR DIRECTLY ( See Attachment ). I have contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and recently on XX/XX/XXXX. Since XXXX XXXX XXXX has stated on XX/XX/XXXX that they have submitted a request to the major credit bureau to have the XXXX XXXX inquiry dated XX/XX/XXXX deleted from your credit bureau report. XXXX also stated that previous requests were submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Attachment ). If Equifax is stating that this inquiry is coming back as verified. Who are they verifying this information with? Is XXXX verifying this information since and just telling me that they are submitted requests? I have provided Equifax with numerous amount of proof and they continue to report fraud. PLEASE HELP!
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX DPT ED/XXXX : XXXX XXXX XXXX  XXXX  : XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (OH)

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX Permissible purpose {$1000.00} XXXX Defamation of character {$1000.00}
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experian refuses to update my XXXX XXXX XXXX XXXX  account. It is showing as open instead of closed. It is also showing a balance instead of being XXXX. I have disputed the inaccurate information several times with Experian but they keep closing it and stating the information is inaccurate. The inaccurate information started showing in my account XX/XX/2021 and I have been trying since then to get it disputed. I even took a day off to drive to XXXX XXXX, MI to the branch of XXXX XXXX XXXX. We tried to get the information fixed at that time and were unable to. XXXX XXXX XXXX states that Experian is reporting inaccurate information and they ( XXXX XXXX XXXX ) are not receiving the request to confirm the information. Experian is the only credit reporting agency still reporting this inaccurate information. XXXX XXXX XXXX has tried to call and email Experian to update the inaccurate but they have not being successful. Experian refuses to fix anything via email or over the phone and they are maintaining that XXXX XXXX XXXX has to fix the information through the electronic request that is being sent by Experian but the issue is that XXXX XXXX XXXX is not set up to receive that type of request from Experian. Experian has been extremely unhelpful with this request. This inaccurate information has impacted my credit report.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX along with XXXX, Equifax and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.
Consumer complaint received 2020-10-22
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. (PA)

On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020
Consumer complaint received 2020-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

On XXXX the XXXX, XXXX, my PayPal account was permanently closed upon company 's decision over a limitation imposed under the account, stating that I was " a potential risk '' if I continued being a PayPal customer. PayPal established a deadline of six ( 6 ) months to withdraw the left money on my account ( {$700.00} ). Time passed and the principal requirement was met to withdraw the funds. In fact, on XXXX the XXXX, XXXX, I received an e-mail claiming that I was, at that time, able to begin processing the withdraw of the money left on the account ; however, despite all requirements were met by me, PayPal refused to add a bank account into the account and then pull out funds. Indeed, I got in contact at least ten times with the company and none of their employees helped me out as they " were not able to do anything about '' or " my case would be sent to a specialist, then a response would come after a few business days. '' Other employees would ask for additional information about the bank account 's owner that was supposed to receive the transfer of funds as I personally don't have an American  bank account ; although all evidence was submitted, nothing came out of that. Bank account wasn't added into my PayPal account and my money is still stuck on the account.