davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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. (SC)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 


Personal Information - Aliases - Delete XXXX, XXXX, 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 an account without my written instructions. 

Delete Aliases {$1000.00} per violation. 


ADDRESS XXXX XXXX XXXX XXXX, Sc 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 an account without my written instructions. 

Delete Aliases {$1000.00} per violation PUBLIC INFORMATION Account Name - U.S. Bankruptcy Court XXXX  XXXX  BANKRUPTCY 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 an account without my written instructions. 

Delete account {$1000.00} per violation Account Name - U.S. Bankruptcy Court XXXX  XXXX BANKRUPTCY 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 an account without my written instructions. 

Delete account {$1000.00} per violation Account Name - U.S. Bankruptcy Court XXXX  XXXX BANKRUPTCY 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 an account without my written instructions. 

Delete account {$1000.00} per violation INQUIRIES XXXX 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 an account without my written instructions. 

Delete account {$1000.00} per violation XXXX 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 an account without my written instructions. 

Delete account {$1000.00} per violation
Consumer complaint received 2020-07-19
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. (AL)

Contacted Experian, XXXX and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hey I really think something is wrong here I recently checked my credit report and Im continuously seeing inaccurate and inconsistent information on this account and Im just requesting for you to please take some time to look into these inaccuracies please. I do understand stand that you have 30 days to reply I really look to hear from you
Consumer complaint received 2020-07-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my account.
Consumer complaint received 2020-12-04
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. (MO)

I asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, XXXX, Equifax have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.
Consumer complaint received 2022-09-13
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 XXXX XXXX, has violated 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 that a consumer reporting agency can no 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 2022-09-13
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated 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 that a consumer reporting agency can no 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 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.
Consumer complaint received 2020-07-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OH)

XXXX XXXX has lost and refuses to find {$940.00} missing from my XXXX. I made personal payroll contributions and my employer ( XXXX ) made contributions to my XXXX on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. My payroll contribution on each of the previous dates was {$110.00}, and XXXX ' contribution was {$19.00} on each of the previous dates. 

When I call XXXX XXXX ( and XXXX, who administered XXXX benefits for XXXX on the given dates ), representatives dismiss my complaints. The last two XXXX XXXX phone representatives I spoke with today, XXXX and her manager XXXX, were angry, argumentative, and rude. XXXX told me that XXXX ( my employer ) closed my XXXX with XXXX XXXX on XX/XX/20. This is false. I *did* transfer assets to XXXX on this date, but never requested my account to be closed, knowing full well that future payroll deductions would still be sent to XXXX XXXX XXXX Starting on XX/XX/20, XXXX changed to a different XXXX provider - XXXX - and my payroll deductions along with employer XXXX contributions were then sent directly to XXXX, BUT NOT BEFORE THAT DATE. 

Furthermore, when my XXXX XXXX XXXX  was closed on XX/XX/20, I was charged a {$25.00} account closing fee, despite the fact that I never requested for my account to be closed. I only ever requested that assets be transferred from XXXX XXXX to XXXX ( and that certain assets from my XXXX  investments be liquidated so that they could be transferred to XXXX as cash ). 

No one at XXXX XXXX ( or XXXX ) seems to know what they are doing, how to help, or to be willing to do anything except to argue with me.
Consumer complaint received 2022-09-13
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. (TX)

I have a report open that was responded to in my Experian portal part of my dispute was complete but they have yet to remove an inquiry that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no account related to this company nor did I request any information from them or give them consent to view my credit report.
Consumer complaint received 2022-01-06
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. (TX)

I have called and wrote the credit bureaus the past 3 months for help with the inaccurate information being reported on my credit. The credit bureaus failed to comply with the investigation request in timely matter. I have attached proof, please help me get them to resolve this problem.
Consumer complaint received 2021-03-02
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 (NY)

( Reference ID XXXX ) My account got limited on XXXX XX/XX/2021, then I've submitted all required information with my Photo ID on XXXX XX/XX/2021 then PayPal reviewed and restored my account on XXXX XX/XX/2021, it was very good news for me. PayPal was very co-operative and helpful. Thanks to PayPal review team. 


( Reference ID - XXXX XXXX XXXX XX/XX/2021 suddenly received an email says " You can no longer do business with PayPal, After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. If you have money in your PayPal balance, well hold it for up to180 days. After that period, well email you with information on how to access your funds. We regret any inconvenience this may cause. '' It means my account has been closed. I'm shocked what it is! Why! I dont understand. 
I thought this email was automated or a glitch, then logged in my account and found really my account permanently banned! 
I believe that this action made by any automatic system or performed by automated bot, not by anyone from human review team, because its impossible for a human to do something self decision opposite. 

I request you please review this coincidence and relieve my pain and frustration. Impossibly if this action made by any human please re-consider my situation. If you think this action is final then I'm respectfully requesting that the hold on my funds/account be lifted. 
However, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I've complaint on XXXX and send them emails hundreds of times but still no response. 

My PayPal email is " XXXX ''
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

On XX/XX/XXXX, we were notified by USAA that our credit card as well as checking and savings accounts were being closed. Neither were in default or any other problem. I have spoken to four or five individuals at USAA and the only information I have been given is that according to some law passed in XX/XX/XXXX by congress, they have the right to cancel and not inform the client why the accounts were closed due to unacceptable behavior or activity.

I have used USAA for over 50 years and my credit rating is excellent, yet they will not disclose their reasoning. I first called the CT State Banking Commission and they informed me to file a compliant with you. After listening to what I had to say, they said it sounded like USAA thinks I am laundering money. 

I am in the XXXX  field and XXXX  years ago on XXXX XXXX I was involved in a serious accident. Having to retire, we decided I was still able to help out in XXXX, so I still maintain my licenses. We spend about 6 to 7 months a year there and I do use the ATM machines there to access money. True the USAA account is not my primary account since I use a local bank in a small town that knows us well. However, using the USAA account has some benefits that our local small bank dose not have, such as home deposits and the first so many ATM charges are free. 

I served my country as an XXXX in the XXXX XXXX, so I feel I am entitled to that benefit. I do not feel that any citizen of the USA should be treated as if they liven in a country controlled by a dictator where they are subject to the whims and wishes of those in power. Since when has the US not followed the law where the individual is innocent until proven guilty? More important, how about false incriminations and not being told of the charges? Our country went through a very negative period not many years ago about such acts, are we now headed toward another such era? 

I have been told that if asked if I have ever been turned down for any credit cards or banking accounts, I must now answer YES. This is totally unfair to any citizen and especially a veteran, who has served this country. I would hope you would be able to answer my concerns. 

Thank you,
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-07-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

I went on furlough from the state of Louisiana XXXX XXXX XXXX XXXX in XXXX XXXX, La on XX/XX/2020. I completed my modification of {$910.00} on XX/XX/2020. My new modification became {$900.00} which is not much different ( XXXX ). I asked for assistance in XXXX and was told I " had to complete my loan modification trial period. '' I struggled to make the payments esp being on furlough. After I completed my last modification payment I called and asked for assistance. Carrington took my application. Mailed me a letter stating I was granted 60 days. A payment of XXXX ( my new mod amount ) I received a phone a WEEK later call from the mortgage company, tell me my I was granted 60 days. Ok, I paid THIS month so XXXX {$900.00}, therefore, XXXX and XXXX have been forbearance? No stated the rep. Effective date XX/XX/XXXX! 
Pretty I get a month break.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (SC)

I placed a pickup order at a Target on XX/XX/25. Since it was for the wrong store location, I canceled it within an hour of placing the order. The order was fully canceled and I never picked up the item. I had used a Target master card and called their customer service XXXX times since then to get a refund. The first XXXX times random reps told me it would take XXXX hours for the refund to be processed. It never happened. Third time it was escalated to some team, and they are telling me they do not know when this will happen. We are now in XXXX.
Consumer complaint received 2018-06-26
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. (FL)

XXXX XXXX  XXXX ( XXXX ) sent credit card bill via email and I missed seeing it in mid XXXX. I also thought I had closed the credit card in XXXX. 

XXXX sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XXXX ). The {$12.00} bill was paid and then XXXX closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a Transunion alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this XXXX credit card. 

I sent an email to XXXX asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at XXXX informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask XXXX again to remove the reporting of a late payment from my credit report given the small amount. I realize that XXXX  does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.
Consumer complaint received 2022-09-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (IL)

Insta Credit Auto Mart has reported invalid information to all 3 major credit bureaus. ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both federal and state laws. My vehicle has never been repossessed. My car has been refinanced through another lender. I reached out to INSTA- Credit Auto Mart they said they are to behind to deal with my problem. I wrote them a letter and they still have not responded. I will be sending them another letter XX/XX/2022 and pursuing legal action. My credit score has dropped tremendously since this fraud has taken place.
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc. (NY)

Billing Department of XXXX XXXX XXXX XXXX systematically violates my patient rights by sending me on collections for medical bills, which I paid in full. In XXXX they sent me to XXXX XXXX XXXX XXXX for a medical bill from a XXXX  department, which I paid months ago. I provided a receipt to the collection agency, and the case was closed. However, on XX/XX/XXXX, I was informed that " an unauthorized person may have had access to XXXX 's systems. '' My private information was compromised. 
On XX/XX/XXXX, I got a letter from the Professional Claims Bureau asking for a {$490.00} for a medical service provided by XXXX XXXX on XX/XX/XXXX. My PCB acc # XXXX. My Flexible Spending Account XXXX already paid this amount to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have my receipt for your review. You can also contact XXXX  by phone # XXXX.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

I have contacted XXXX and asked to find out why my credit report was denied. I got reply saying they will contact me by mail. I told them I will send out one more request for up dated report copied sin and provincial card both front and back tones of times. All I keep getting is your request was denied. This is ticking me off. I have paid XXXX XXXX every month for XXXX XXXX and XXXX XXXX now XXXX XXXX. I got other agencies on report as well. I need to know if the XXXX and XXXX XXXX have been reported of payments since credit XXXX has allowed me on program. Thanks.XX/XX/XXXX18 sent mail out again asking for up dated request please send out asap thanks when gotten :