davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (CA)

Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. 
I have never had an account with XXXX XXXX XXXX. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX  : Amount {$2900.00}
Consumer complaint received 2024-02-02
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. (IL)

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Consumer complaint received 2024-02-07
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. (MD)

I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2024-02-07
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an 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 2018-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX shows up on my caller ID number XXXX calls all day and night to connect a credit card debt owed to XXXX XXXX XXXX. I answered two times both times explaining i am now out of work and will pay ASAP but ca n't do anything to i get another job which i am actively searching for. They told me that 's understandable and asked if they could check in from time to time. I replied fine but do n't call me more than maybe once a month which was agreed on. Ever since then from XXXX XXXX till XXXX XXXX everyday i recieve countless calls harassing me about the same thing and everytime i ask for this to stop they say it 's not possible. I tried everything but they wo n't allow any peace at home.
Consumer complaint received 2023-12-03
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 (CA)

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal XXXX please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX PayPal XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (TX)

Transunion was notified that the account XXXX is inaccurate and failed to correct or verify this account. They are that this account was charged off, but also report that the account was 100 % paid off. This is clear violation of the FCRA. There is no way that an account can be 100 % paid off and reporting as a charged off account. Transunion 's credit reporting is not credible and a further example of defamation of character which I can sue your company for. Furthermore, I contacted the creditor XXXX XXXX, and they could not verify the information reporting. I sent a letter XX/XX/23, and this inconsistent information persist. Being that I have tried to remedy this problem and it has been 8 months, I will be seeking legal action if this account is not removed. I am requesting that XXXX stop reporting for obvious FCRA non-compliance of inaccurate data furnished on the consumer report. Per 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurately and should be removed from my credit report immediately. I have attached my credit report to show the discrepancies as well as my dispute letter, which is dated, and time stamped.
Consumer complaint received 2024-02-07
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)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

XXXXXXXX XXXX XXXXXXXX Acct # XXXX 1

5 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, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This Account payment dates are different and not acurrate please remove
Consumer complaint received 2024-02-07
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. (LA)

IN Recording TO THE FAIR CREDIT REPORT ACT THIS CREDITOR VIOLATED MY RIGHTS UNDER 15USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY. 15 USC1666 B A CREDITOR MY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN ACCOUNT AS LATE PAYMENTS 15 USC 604 A A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT A WRITTEN AGREEMENT...
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (AZ)

This is an attempt to collect on a medical bill that was and/or should be paid by the State Of Arizona. The medical care was contracted under an industrial injury. The injury occurred XXXX2016. The State of Arizona has an claim # XXXX for payment of this service. 

I have told the practitioner who to contact and how to be paid. I believe the state has already made payment and the practitioner is attempting to double bill.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/ my checking account with Citibank was compromised. Someone gained access to my account information and used it to make online payment for {$6900.00}. On XXXX  another amount for {$4300.00} was sent to XXXX without my authorization. I was not notified via email and had to clue this took place. On XX/XX/ I reached out to Citibank Fraud department, they closed my account and started investigation.
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (DC)

LVNV Funding is a debt collector. In XX/XX/2020 reported a debt on my credit report, the delinquency appeared on all three credit reports. I learned that LVNV funding was attempted to collect a debt on behalf of XXXX XXXX XXXX  for a credit card account that was closed by the grantor as the result of fraud -- that is, the account was opened by a person who used my identifying information without my knowledge or consent. Because the account was fraudulently opened and did not belong to me, LVNV funding can not maintain I am responsible for this account. I requested this removal and they refuse to send me the paperwork to dispute this account.
Consumer complaint received 2020-07-03
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. (CT)

Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my Experian, and XXXX  reports. This is NOT my debt. I have reported to Experian and XXXX  and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.
Consumer complaint received 2020-07-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Account with Portfolio Recovery Associates ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and XXXX  reports. This is NOT my debt. I have reported to XXXX  and XXXX  and they investigated yet the item remains on my reports. I have disputed to Portfolio Recovery Associates and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (NY)

I spoke with XXXX XXXX and the branch assistant manager and various people at Key Bank customer service, they werent able to provide further information on how to dispute the charge on my key privilege checking account. They just stated to contact the company and ask for a supervisor, at the XXXX XXXX branch, which is the current primary branch listed on the account.
Consumer complaint received 2018-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I do n't know the dates it was back in XX/XX/XXXX, XX/XX/XXXX... im not sure of the amount it sseems to keep changing. I had a job they were taking money out twice a week.. the amount never went down there 's no way im ever going to get this repaid i ca n't pay them and they want half the amount but did n't send any information. I need this to stop im not working yet my credit score keeps going down so i cant get a car, a house or anything i need and i ca n't go back to school they say until its all paid off and i need to get back to school to finish.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am writing regarding inaccurate information being reported on my XXXX Credit Report by Credit Acceptance Corporation located in XXXX, MI. My auto loan account with this company was included in a Chapter XXXX Bankruptcy, which was filed XX/XX/2016 and discharged XX/XX/2016. Upon reviewing my XXXX credit report after the bankruptcy discharge, I noticed that the company reported I " failed to pay '' XX/XX/XXXX. My account was paid and never late prior to the bankruptcy filing. Additionally, I continued to make payments after the date of bankruptcy filing date. In the end, the vehicle was included in the bankruptcy. 

I have filed multiple disputes with the XXXX Credit Agency regarding Credit Acceptance 's derogatory information, which included my bank statements verifying that I have never made a late, only to have the company respond to the dispute confirming that the " failure to pay '' is accurate. 

The negative " failure to pay '' that is being reflected on my XXXX Credit Report is causing my credit score to have nearly a XXXX point difference than the other XXXX credit reporting agencies. This is a significant difference and has impacted my ability to rebuild credit after my bankruptcy. The substantial difference is a red flag to potential creditors.
Consumer complaint received 2021-10-04
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. (GA)

Over 60 days ago I sent the credit reporting agencies a letter regarding some information on my consumer report that I never consented to be reported. I have been patient with my time but enough is enough. The FCRA stated that any disputes should be completed within 30days. I don't see where the law that is allow 45 or 60days to respond if so please show me in writing or else I expect a response to my complaint immediately!!! I as a natural person ( consumer ) who is protected under federal law demand these accounts to be removed from my consumer report. There is a clear violation that the law has been broken, I'm tired of my request being ignored so something needs to be done about this.
Consumer complaint received 2024-02-07
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. (TX)

am writing to file a formal complaint against Transunion, XXXX and XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On [ XX/XX/2024 ], I notified [ XXXX XXXX ] that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Transunion, XXXX and XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Transunion, XXXX and XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byTransunion, XXXX and XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Reporting Act.

I have listed the laws above. It is against my rights to have student loans on my report per the FERPA Act. Please remove from all three bureaus immediately.