davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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)

This company violated my rights YOUR COMPLAINT 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 the following accounts XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Transunion has violated y rights with this information on my report 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 : 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 2020-09-15
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. (NC)

Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX. Equifax and XXXX are not reporting the following account In Dispute. XXXX XXXX partial account number XXXX. XXXX is failing to report the following account In Dispute. XXXX partial account number XXXX. Equifax is failing to reporting the following account In Dispute. OTHER COLLECTOIN AGENCIES partial account number XXXX. Equifax and XXXX are failing to reporting the following account In Dispute. XXXX XXXX XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2023-03-30
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)

The following inquiries below were not authorized and I was unaware on any of these below please delete immidiately FCRA violation : 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 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 2021-04-08
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: MCMC Auto LTD (TX)

I am a victim of identity theft and fraud and currently dealing with the security breach with XX/XX/XXXX The following accounts have been submitted to the credit bureaus and I have an FTC Case ID XXXX and XXXX with XXXX. The following companies and accounts are the items I am reporting to the credit bureaus. These accounts were made and opened fraudulently and without my knowledge. I am a victim of identity theft and fraud since XX/XX/2007 since the age of XXXX. I am currently still in the military and have an extensive military fraud and identity theft report on the credit bureaus. I have continuously made several attempts to speak with the company for them to remove the fraud account but to no avail they will not.
Consumer complaint received 2022-08-24
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)

Response has not been received for investigation that you received on XX/XX/22 Tracking number XXXX or XXXX or XXXX This has been over 40 days and deletion is now required. No proof that I owe this was supplied to me and must be in this timeframe. Signature and contract must be supplied upon request to verify debt and nothing has been provided.
Consumer complaint received 2023-03-30
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)

The following accounts are closed & have still been reporting false & inaccurate information for months this has been affecting my credit worthiness & is a violation of my rights. 

Accounts : XXXX XXXX
Consumer complaint received 2022-07-04
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

On XXXX XXXX, 2017 I tried to withdraw money out my PayPal account, to my surprise the account was then limited. The last transaction I sold was on XXXX XXXX, 2017. PayPal operating as a money transmitter in the state of Georgia is not allowed to hold peoples fund for 2+ months. I have {$260.00} being held and I 'm not receiving any interest. I contact PayPal on XXXX XXXX, 2017 at XXXX and spoke with XXXX ( manager id # XXXX ), she told me they wanted to hold my money for 180 days. I would like my money released so I can close my account and be on my way.
Consumer complaint received 2016-10-07
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I was getting ready to travel to the XXXX for work and was told best thing to do was to get a prepaid card to travel with I then got an American Express serve card. Money was then deposited into account. I started receiving emails about transactions being made went online and ATM card was used a total of XXXX dollars gone. I called immediately and reported this I was told I would not be responsible for the charges and would be issued a credit within XXXX7 days of investigation within XXXX3 days I received an email stating my dispute was declined I was in XXXX with no funds and no help. I 'm not sure what type of investigation was done that fast. I then went online to look into reviews on this card and nothing but negative reviews. I will never use this card again and to be stuck in a foreign country with no help was the worst feeling
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020, PAYPAL XXXX charged my XXXX credit card {$1600.00} for a ebay shipping transaction that should have been {$16.00}. ( Screenshot # 1 ). I immediately contacted XXXX/PayPal and they let me know they knew of the issue and it would not post on my account. 

3 days later the charge posted, I then opened a dispute with XXXX, and received a credit for {$1600.00}, the difference of {$16.00} is for the true cost of shipping. 

I then had a hold placed on my PayPal account for {$1600.00}, the amount credited by XXXX, and when I received money into my account for a different transaction, PayPal held these funds. ( Screenshot # 3 ) Summary : PayPal charged {$1600.00} for a {$16.00} transaction Charge posted to my credit card, dispute opened and I was credited {$1600.00} PayPal placed a {$1600.00} PayPal has now held {$1600.00} from a separate transaction.
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (TN)

I was seen at XXXX XXXX XXXX in XXXX XXXX, GA in XXXX. I told the hospital I had insurance through XXXX. XXXX XXXX XXXX ( XXXX ) is claiming I didn't tell the hospital. It makes no sense for me to have gone to a hospital and not tell anyone I had health insurance.. 

The hospital went bankrupt and shutdown without ever sending me a bill. Since XXXX the hospital has gone through a couple of different owners. I never received a bill or anything regarding disputing this debt. I did not know about the {$3400.00} bill until it appeared on my credit report via XXXX XXXX XXXX in XXXX. They only sent a letter after I called, but claimed they sent one before that. My insurance company refuses to cover the claim because it happened over a year ago. The hospital should have notified my insurance. I should not be liable for nearly such a large sum of money due to a mistake of a bankrupt hospital from years before and a credit service not properly notifying me. There is no excuse for it to have taken so long to show up on my credit report to begin with. If someone had let me know within one year my insurance could have covered it but now it is too late. 
I had to call XXXX XXXX XXXX multiple times to even get someone to pick up. The first time someone picked up they were having a personal conversation with a friend and hung up. I am seriously concerned about the lack of professionalism and these people having my personal information.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 2021-04-08
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. (NY)

I'm filing a complaint against XXXXXX/XX/XXXXfor the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.
Consumer complaint received 2022-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (NJ)

I tried to cancel my loan with lendingclub but I was unable to do so because of the XXXX XXXX. When I tried to cancel my loan the next day, I was told that it was 1 day out of the loan cancelation period. I think this is unreasonable and was surprised that they wouldn't work with me to refund the fees charged or offer a partial refund.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I'm filing a complaint against XXXX XXXX  for the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.
Consumer complaint received 2019-02-19
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: Diversified Consultants, Inc. (GA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX Re : Disputing errors on credit report I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : [ Diversified Consultants INC -  on behalf of XXXX ] I have reached out to both XXXX and now Diversified Consultants on XX/XX/XXXX more than 30 days ago in regards to providing me with a itemized bill or agreement for this account. I also initiated a dispute through XXXX and XXXX XXXX. I have no recollection of establishing an account with this provider. It has been over 6 months. I have not received any proof of establishment of this account. The first outcome was a balance decrease. from XXXX to now XXXX. The second dispute result left comments on the bottom of my credit report that states that I am disputing this account. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm filing a complaint against XXXXXX/XX/XXXX for the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have opened a complaint against Portfolio Recovery associates for not validating a debt after I requested. 
Today I logged on to look at my credit report and it shows that I have made payments to the same supposed XXXX XXXX  account. I have downloaded and printed 3 years worth of bank statements and do not show any payment history to XXXX nor Portfolio Recovery. The only reason that there would be false payments to the account is to illegally re age the account. These are two violations of Fair Debt Collection Practices Act on the same account.
Consumer complaint received 2020-12-08
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. (PA)

I sent in a dispute XX/XX/2020, and on XX/XX/2020 I sent a letter requesting a response being that it has been over 30 days without them communicating back to me. I called Equifax XX/XX/2020 asking them where was I in my dispute process and the Equifax representative told me they just started the dispute XX/XX/2020.
Consumer complaint received 2024-02-15
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. (MI)

TransUnion is reporting this inaccurate deragatory charge off account from XXXX XXXX account # XXXX to my credit report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. This is not my account. I have no knowledge of this account.15 USC 1681b.
Consumer complaint received 2024-02-15
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-03-30
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. (PA)

My name is XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.