davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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. (CA)

On XX/XX/year> I submitted letters to several agencies ( specifically XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX ) to enact my right to protect my financial information and no longer share my information, balances or payments on my report. I further requested that XXXX, TransUnion and XXXX, being consumer reporting agencies, remove my financial information as well as per my right backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked as per the letter sent in XXXXXXXX XXXX XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consume 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have opted out of ALL reporting agencies services
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX RE : NOTICE AND DEMAND TO VERIFY ALLEGED DEBT To Whom It May Concern, This notice is in response to my recent request that Barclays Bank Delaware verify items on my consumer report that resulted from Identity Theft. Per the results of Barclays Bank Delaware investigation, I received correspondence via mail that the alleged debt was verified. However, per my request Barclays Bank Delaware has failed to provide me with any legal proof that I owe a debt. By law, I have a right to request legal proof of any alleged debt or claim of debt pursuant to the FCRA and the FDCPA. 

Per my initial request, pursuant to the Fair Credit and Charge Card Disclosure Act I have a right to request full disclosure of the terms and execution pertaining to this alleged debt through direct mail telephone, and other applications and solicitations to open-end credit and charge accounts and under other circumstances. This is a second request for Barclays Bank Delaware to provide such verification in order to substantiate their claim. Be advised that copies of statements do not constitute legal verification in which, the Black Law Dictionary 6th Edition defines, verification as a means to confirm and substantiate by way of an affidavit or oath sworn to under the penalty of perjury. Therefore, Im requesting that legal verification of this alleged debt be provided to me at the address provided. If verification of the alleged accounts XXXX affidavit or oath sworn to under the penalty of perjury ) is provided to me via mail, I will require 30 days to review and verify the documents ( original documents or certified copies only ) pursuant to U.S. Code 1692 ( g ) ( 4 ). In addition, until the requirements of the FDCPA have been met and your claim is verified, you have no authority to continue any collection activity and you will cease and desist from contacting me except via mail. Furthermore, please be advised that any reporting of accounts on my consumer credit report without legal proof of debt is a violation of the FDCPA and FTC and I will pursue all legal actions and remedies afforded to me under State and Federal law against Barclay Bank Delaware. 

This is my attempt to operate in good faith and with clean hands to clear up any confusion in this matter before taking any further action. Upon completion of your reinvestigation please provide any and all legal proof of any alleged debt or claims to a debt. If proof is not provided then these accounts must be removed from my consumer credit report. Thank you for your prompt consideration of this matter.
Consumer complaint received 2024-02-13
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-06-09
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Capital Group, Inc. (TX)

In XX/XX/2021, I received an Emergency Grant ( Covid19Grant ) from the government in the amount of {$240.00}. I directed that that grant be paid directly to Paramount Capital ( the student loan group through which I had my loan. ) The grant was paid out directly to Paramount Capital. They confirmed receipt of those funds. They applied those funds to my loan, but then proceeded to report to the Credit Reporting Agencies that I paid late in XX/XX/2021 and XX/XX/2021 ( even though the amount of the grant exceeded the amounts due for those months in total. ) Additionally, I made a payment in XXXX for the amount due that month, and I made a XXXX payment in XXXX to cover my amount due for XXXX. Paramount Capital did not apply the XXXX payment from XXXX to the amount due for XXXX. 

I have contacted Paramount Capital on numerous occasions ( at least five times ) to try to resolve the issue of them erroneously reporting me to the Credit Bureaus for late payment. They have refused to remove these late payment reports. This is adversely affecting my ability to obtain a VA Mortgage Loan, which I am entitled to for serving my country. 

I am reaching out to you for your assistance as they have been completely impossible to work with.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

my Bankruptcy Chapter XXXX case # XXXX was XXXX as of XX/XX/2021 but Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX keeps created small claim /debt claim case citations and calling me. My newest case is XXXX at XXXX XXXX XX/XX/XXXX in XXXX XXXX, Texas. 

The lawyer on the last page is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/2021 and haven't receive any response. its been 49 days. The bureaus only have 30 days to respond. This doesn't make any XXXX sense. This unfair and outrageous that they can operate in this manner. I want these items deleted from my credit report immediately. They just do what they want to.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

In accordance with the United States Code A consumer is entitled to 100 % accuracy on a consumer report. After reviewing my report Fair Collections Account # XXXX is reporting inaccurate information on my consumer report. My open date is different on all three credit bureaus, my Last Reporting date is incorrect on all three credit bureaus also my last active date is incorrect on all three credit bureaus. I would like for this account be removed as it is causes me financial harm and my family financial stress. I am unable to obtain a home because of this account and it is inaccurate.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

I have repeatedly disputed this account with Caine Weiner, and I have never ever received anything in the mail from them. They have called me in attempts to collect this debt, DURING A PANDEMIC! I have no idea who Caine Weiner is, who they are collecting for, or why they've intruded onto my credit report. I believed I had the right to request validation of this debt, but hey have provided me none, however the credit bureaus have stated the account was verified by Caine Weiner. How is it possible that they can provide verification to them but not me? HELP ME! I have no idea what to do about this obvious defamation.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (IL)

Starting XX/XX/XXXX when my card got locked I filed with XXXX XXXX they gave me a XXXX XXXX to use. Card got locked I called them to resolve the issue they told me I have to go to my tax place I went there they called XXXX. During the calls the customer service got rude and hung up. The next day I call they said I have to send documents stating I was the account holder they gave me the email and fax number to send the documents over. Stating XX/XX/XXXX I sent 4 emails with my documents for proof they told me it will be 48 hours at the most to hear back. After the 48 hours I contacted them they stated they didnt receive them ok I said fine can I talk to your supervisor they constantly got rude had me on hold for 43 minutes per customer service. They stated my account was locked due to needing to verify my identity I had access to everything on my account email they told me to fax my id I faxed it I have the receipt. XX/XX/XXXX I called to see what was going on they told me there was nothing to do to access my funds I had all my verification
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CCS XXXX Credit Collection Services ), for committing identity theft. I have never given CCS ( Credit Collection Services ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with CCS ( Credit Collection Services ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CCS XXXX Credit Collection Services ) any right to collect on this alleged debt. 

I have never received any documentation requesting validation from CCS XXXX Credit Collection Services ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CCS ( Credit Collection Services ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CCS ( Credit Collection Services ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CCS ( Credit Collection Services ), continues its collection efforts, I will file for litigation for actual damages caused and CCS ( Credit Collection Services ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (CA)

I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was told I would not be able to do so because of an account from XXXX/XXXX  reflecting badly on my credit report. This account does not belong to me ; I didn't even know it was on my credit report before today because I never opened it and I did not give anyone permission to open it in my name. I am not affiliated to that company in any way nor did I have any written/verbal contract with them. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made parents towards this account. I have already filed a police report regarding this unauthorized account. I have filed this report the best of my knowledge.
Consumer complaint received 2020-12-08
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: HEARTLAND PAYMENT SYSTEMS INC (OR)

I was a student enrolled in XXXX XXXX. Because it wasn't a profitable program anymore, they pulled my major out from under me, forced me to switch to a performance degree, and lied to me about what my options were by telling me I didn't have a choice. I paid over XXXX in tuition to these criminals. 
Fully private high interest student loans that were used to pay for the major they canceled, credits they threw in the trash ( but charged me for. ) Those loans are paid off now. 
I tried talking to them about it when I realized how fraudulent that activity was and have been immediately disregarded and swept under the rug.
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NJ)

About Paypal XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX I can not access my account because of Paypal 's requirement that I enter my Mobile phone number. 

1 ) I do not have a Mobile phone number 2 ) They refuse to recognize my Landline phone 3 ) Their human customer service is NOT accessible by phone
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to XXXX, Transunion & XXXX XX/XX/2023 and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly : 1. XXXX XXXXXXXX. # XXXX 2. XXXX. # XXXX 3. XXXXL XXXX. # XXXX 4. XXXX XXXX. # XXXX 5. XXXX XXXX XXXX. # XXXX 6. XXXX XXXX XXXX. # XXXX 7. XXXXXXXX XXXX  XXXX Acct # XXXX 8. XXXX- Inquiry I didn't authorize 9XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize 10. XXXX XXXX XXXX Inquiry I didn't authorize.

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports. 
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.
Consumer complaint received 2024-02-13
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. (GA)

I recently noticed a fraudulent account on my credit report from XXXX XXXX XXXX, account # XXXX, opened on XXXX  with original balance of {$890.00}. 
I did not authorize this account and it is not mine. Identity theft report filed and included.
Consumer complaint received 2016-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. 
I had an Account with Bank of America and they misappropriated funds that is how they got my information
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-04-27
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC. (FL)

I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.