davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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: ID Analytics, Inc. (CA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MD)

My name is XXXX XXXX XXXX a victim of cyber crime .My MASTERCARD NETSPEND CARD was used while i have it in pocket last night at XXXX XXXX XXXXXX/XX/XXXX. It was used in XXXX XXXX XXXX XXXX XXXX XXXX at that moment i was in XXXX even never ever been in XXXX. XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Last night my card was used in that ATM while i have it in my pocket and still have it. Next day wake up as usual to go to work, found on way can not pay TAXI DRIVER. VERY HURTFUL. 

I called NETSPEND XXXX XXXX CLOSED WAIT UNTIL XXXX XXXX THEY ANSWERED. 
Explained what happened to NETSPEND customer service representative. She told me to call ATM OWNER. I call XXXX XXXX XXXX XXXX XXXX transfered to headquater no help. THEY TOLD ME CALL YOUR BANK NETSPEND TO RESOLVE YOUR ISSUES. 

I filed online dispute on netspent website then called customer Represantive, she told me you will need to sign and send to us. They just dismissed all i said. 

TWO YEARS AGO I LOST AGAIN OVER {$1000.00} AFTER MY CARD WAS STOLEN THEY NEVER HELPED. THIS TIME I IGNORED AS IT WAS PHYSICAL CARD THIS TIME IS CYBER CRIME FROM CYBER THUGS MY CARD IN POCKET. NO HELP AT ALL. 

Later spoke called after waiting on hold forever, customer REPRESANTIVE TOLD ME NOTHING CAN BE DONE UNTIL XX/XX/2023. 
NO CONSUMER PRTECTION WHEN MONEY IS DEPOSITED. VERY ARROGANT AND POOR CUSTOMER SERVICE.
Consumer complaint received 2024-02-15
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. (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.

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 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When applying for a loan in XXXX of this year, I learned that TransUnion ( but not XXXX or XXXX ) had another person 's name, addresses, phone numbers, employment, and accounts listed under my file number with them and my social security number, as well as most of my own information. I wrote to them, but was unsuccessful in getting them to correct all of the incorrect information in my file until after XXXX more attempts through the XXXX. They have finally removed all of the incorrect accounts, but now list XXXX of my legitimate accounts as having been disputed, which it was not. I have spoken with that credit card company and assured them I had no dispute regarding my account with them and explained the nature of the dispute that I did file. I also had to deal with XXXX of my accounts being closed because it had an account number change and was erroneously included with the other person 's accounts with that company. 

This was not the first time that TransUnion had mixed my account up with this same person. It had previously occurred in 2006. I am extremely disturbed that because of the nature of this business I have no option of not doing business with them and they will be allowed to continue reporting my credit. I have no confidence that they are capable of correctly reporting the information they handle after the experiences I have had with them
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I have kept in touch with my lender over the span of my loans. Recently, my lender has reported XXXX late payments for the months of XXXX XXXX, XXXX XXXX. These alleged late payments are also being reported negatively to the credit bureaus, when in fact I have requested before these reports that a forbearance be granted due to the fact that I have been enrolled in education towards my professional development as well as in the teaching profession since XXXX. According to the Office of the XXXX, if I am performing XXXX, and have been active in my professional development, I qualify for a mandatory forbearance. I have called my lender throughout the years to advise them of my XXXX status in a high need area while being a highly qualified XXXX. They have neglected to report my account accordingly, even though I have communicated to them about this error, they insist on not retracting these late payments that should have been under forbearance. As I pursue my options for repayment, the delinquent reporting is hindering my progress to pay off these loans satisfactorily.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved
Consumer complaint received 2016-08-18
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CREDIT ACCEPTANCE CORPORATION (OR)

Credit Acceptance sold a 19 year old debt to XXXX XXXX XXXX, XXXX in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX County under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost 20years old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my anxiety has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

Coinbase failed to protect my funds which were stolen and their Wallet product has security flaws that allowed this to happen. {$75000.00} was moved out of my Coinbase wallet by a scammer and Coinbase did nothing to stop it or warn me about.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

ON XXXX XXXX XXXX I SEE THAT XXXX XXXX XXXX WAS LATE 120 DAYS. THAT IS WRONG. I CALLED THEM AND THEY SAID I WAS NEVER LATE. MY CREDIT REPORT FROM XXXX XXXX XXXX  SAYS NEVER LATE ON ANY LOAN PAYMENTS, YET THERE IS A IT'S SAYS I HAD 4 LATE PAYMENTS IN 12 MONTHS. I ALWAYS MAKE MY CREDIT CARDS PAYMENT BEFOR MY DUE DATE. THIS IS VERY DISTRESSING FOR ME. I AM A BANKER AND SEEKING A NEW POSITION THIS IS NOT GOOD ON MY CREDIT REPORT, ESPECIALLY WHEN IT IS NOT TRUE! 
I NEED HELP, PLEASE AND THANK YOU.
Consumer complaint received 2022-08-15
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: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letted to verify the accounts on the credit report and was never provided proof of verification. More than 30 days have past. This has hurt my ability to obtain credit. There may have been defamation of character. I was taken advantage of due of to malpractice while several laws where being broken under the FCRA by your company this has caused me financial injury.
Consumer complaint received 2022-02-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letted to verify the accounts on the credit report and was never provided proof of verification. More than 30 days have past. This has hurt my ability to obtain credit. There may have been defamation of character. I was taken advantage of due of to malpractice while several laws where being broken under the FCRA by your company this has caused me financial injury.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2015-04-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (PA)

I recently opened an account with PayPal. I purchased XXXX PayPal " MyCash '' cards ( PPMC ) for {$500.00} each and loaded them to my account in anticipation of making a few purchases on Ebay, the parent company PayPal. PPMCs are sold at various retail establishments, and in my case, I not only was required to show identification when I purchased them, but I also kept all receipts related to such purchase. Via a website that is, upon belief, authorized and/or maintained by PayPal, I loaded the PPMCs to my PayPal account. Because of limitations imposed by PayPal of {$500.00} of loads per day XXXX and {$4000.00} per month ), the XXXX PPMCs I purchases were loaded to my PayPal account over two consecutive days. 
Approximately one day after the second PPMC load ( which was within the guidelines and rules established by PayPal ), I received an email from PayPal that my account was limited due to what was described as " high risk '' activity and that PayPal would be freezing my $ 1K in deposited funds for 180 days in order to make sure there were sufficient funds to cover any payment reversals. 
I telephoned PayPal and spoke to a representative in its " Account Limitations Department, '' and was told essentially the same thing that was related in the email. Although I explained, and the representative conceded, that there were no payments made ( and thus there could not be a basis for any payment reversal ), I was told PayPal would not change its position. I also offered to provide copies of my PPMC receipts and other supporting documentation to establish that my purchase of the XXXX subject PPMCs was bona fide, but this offer was rejected. 
PayPal 's actions are unjust, unfair and punitive in nature. While I recognize the need to have certain loss prevention policies in place, I believe there is something fundamentally wrong with a system that cites this as a justification for detaining a customer 's money but does not provide a route for appeal or other process that would enable a customer such as myself to refute the implication raised through clear and convincing documentation.
Consumer complaint received 2022-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letted to verify the accounts on the credit report and was never provided proof of verification. More than 30 days have past. This has hurt my ability to obtain credit. There may have been defamation of character. I was taken advantage of due of to malpractice while several laws where being broken under the FCRA by your company this has caused me financial injury.
Consumer complaint received 2015-05-25
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NY)

I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX.
Consumer complaint received 2015-11-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

HSBC Bank was a revolving credit account I opened in XX/XX/XXXX. I filed for XXXX XXXX Bankruptcy on : XX/XX/XXXX, and HSBC was included in the filing. I paid on this account for over two years after filing bankruptcy until HSBC Bank discovered I filed for bankruptcy two years previous, and my account was closed. The closing date that this account was reported to XXXX was XX/XX/XXXX, which should have been corrected as : XX/XX/XXXX. 

I sent previous letters to HSBC Bank with no response. My most recent letter was faxed to their correspondence department on : XX/XX/XXXX, and I have never received any response from HSBC or to XXXX. I requested that HSBC contact XXXX regarding the error to update, and correct the closing date so XXXX will delete the account with HSBC Bank from my XXXX file. 

XXXX has never had any contact by HSBC to remedy this correction. HSBC Bank has been the most difficult business as they will not respond to my letters, and after charging-off my account, they generated XXXX electronic checks, and withdrew funds from my personal checking account without my knowledge or authorization in XX/XX/XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Last four social : XXXX XX/XX/year> To Whom it may concern, I am writing to dispute inaccurate information on my credit report. After reviewing my credit report, I noticed that there is an account listed that contains erroneous information. The account details are as follows : Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Upon thorough examination of this account, I have determined that the information reported is inaccurate. The account mentioned above has an inaccurate balance, monthly payment, and original balance. ( See attachment ) Therefore, this erroneous entry must be promptly removed from my credit report to ensure the accuracy of my credit history. I request that you investigate this matter and take appropriate action to delete the inaccurate account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the validity and accuracy of the information you report. 

Enclosed with this letter are copies of documents supporting my claim. I kindly ask that you investigate this matter and notify me of the results of your investigation within the time frame mandated by law. Additionally, please provide me with a copy of my updated credit report once the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and accurately. 

Thanks, XXXX
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I applied for a home loan and a bunch of accounts listed on my credit report are not mine. They are only listed on Transunion and not on XXXX or XXXX. I have called Transunion 5 times and 4 times I am told that there is no record of my previous calls and 1 respondent " XXXX '' said that they sent out letters to the bank and the banks responded that the account are mine. I finally got the representative ( all in XXXX ) to transfer me to a USA representative who again responded that there is no record of my calls, but figured out that my social security number is incorrect in their system and would take 2 to 3 weeks to fix. I started this process on XXXX with them and it is always weeks away for a fix and then they claim that there again is no record of anyone calling. Can someone please help me get the numerous accounts ; which are actually in great standing, taken off of my Transunion Credit report ; so that I can buy a home? The bank says that I am paying out more than I am making on these accounts and reportedly own a few homes. I never owned a home. The Transunion people told me that I was supposed to contact the banks listed on the credit report and dispute the incorrect information with them. I called all 7 banks and they all said that I am not listed on those accounts and nothing to do with them and redirect me back to Transunion. Again, some of these accounts list {$200000.00} homes ; XXXX fully paid off and another with half of the loan paid ; no late payments.