davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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 — Problem with personal statement of dispute
Company: Progrexion Holdings, Inc. (SC)

I signed up for credit monitoring on credit.com and they charged me for a free trial twice overdrafting my account they later refunded me but didnt pay my overdraft fee so I requested to cancel my account and they will not cancel it and Im fearful they will charge me again and also I didnt authorize them to link my debit card to a credit service that report my utility payments so they reported my payment and it decreased my credit score
Consumer complaint received 2022-09-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.
Consumer complaint received 2022-07-15
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. (PA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-11
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-11-10
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)

XXXX XXXX XXXXdebt sold it agin to XXXX  account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never sign contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows XXXX also fail to send a updated report to me also denied me any information on me in they file I recored our phone call as well saying the documents I sent wasn't legible but they sent in a dispute XXXX has made this really hard to communicate with them I also has recored call with the members at XXXX telling me they did a dispute with companies with the documents they said they didnt receives
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XXXX the XXXX I sent money transfer # XXXX. On XXXX the XXXX when the receiver tried to collect the money she was told an error had occurred and that the money was returned to the sender. MoneyGram online system meanwhile shows the money transfer as completed and paid to the receiver. I opened up case # XXXX and also called MoneyGram to discuss the issue. MoneyGram insists the money has been paid. I know the receiver well and have sent her numerous transfers in the last three years without issues. The same problem happened with another transfer # XXXX sent in XXXX. For that transfer MoneyGram eventually paid and refunded the money. I know the outcome is wrong but the agent insisted the money had not been paid though it was paid. I have an email from MoneyGram showing the transfer was paid on XX/XX/XXXX. There is something wrong with MoneyGram systems but they refuse to listen or investigate these occurrences in their systems. It appears their online system and main system get out of sync in regards to the status of a transfer. The MoneyGram case # for XXXX is # XXXX. For XXXX it is case # XXXX.
Consumer complaint received 2023-04-16
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. (TX)

I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX  acct # : XXXX Amount : {$580.00} XXXX XXXX acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2022-06-25
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. (TX)

On XX/XX/2022 I contacted XXXX XXXX XXXX, EXPERIAN services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
XXXX AND EXPERIAN AND XXXX Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights XXXX is Reporting a Fraudulent Account ( 1 ) XXXX XXXX XXXX XXXX also the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc etc all other inquiries are FRAUDULENT ALSO XXXX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE EXPERIAN CLAIMS I DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action
Consumer complaint received 2023-05-02
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. (SC)

Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, Experian, and XXXX had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but experian and XXXX refuse to perform a INVESTIGATION! I am concerned that Experian, XXXX, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.
Consumer complaint received 2023-05-13
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-09-21
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. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-25
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. (TX)

On XX/XX/2022 I contacted XXXX XXXX TRANSUION, XXXX services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
XXXX AND XXXX AND Transuion Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights XXXX is Reporting a Fraudulent Account ( 1 ) XXXX XXXX XXXX XXXX also the fraudulent inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Etc etc all other inquiries are FRAUDULENT ALSO XXXX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT XXXX IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX TRANSUION : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE XXXX CLAIMS I DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action
Consumer complaint received 2022-08-02
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : USDOEXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, and USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-09-21
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below are the inaccurate accounts from my credit report : Late Payment 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 2023-01-18
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: CITIBANK, N.A. (PA)

according to the Cares ACT protection, XX/XX/2020 through the pandemic ending period all Late payments were suppose to be reported to be paid as agreed. I have disputed with Macys about my late payments for the months of XXXX and XX/XX/2020 and XXXX and XX/XX/2020. I spoken to few representatives pertaining to these late payments explaining that I Had covid which caused me to become unemployed. Macys representatives refused to correct these errors.
Consumer complaint received 2022-09-21
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. (IL)

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and TransUnion XX/XX/XXXX same with Last Payment Date is not accurate. XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect date opened is listed TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX XXXX No date closed listed for XXXX XXXX XXXX. Inaccurate information listed for High balance XXXX XXXX XXXX/TransUnion XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

Hello I would like to file a complaint against paypal. They put a hold on our account for XXXX days. They would not release the money to us after telling me several times in phone calls it would be available to me come XXXX. Well a month ago we noticed they just took our money and told us they it is due to them for whatever reason. NO company what so ever should be taking hard earned money from other people. We have done nothing wrong and its not right for institutions to just take peoples money and think its ok. I do know that paypal has done this to tons of people. We did a post on paypal on XXXX and i can send a screenshot but you would be surprised at the likes and shares it got. we have over XXXX shares and we have had tons of people come to us about them doing the same thing. I figured i would try filing a complaint here first and see what can be done because again it is not ok for any company to just steal peoples money and take advantage of people. if you think we did something wrong then block us from your service and never let us use it again but it is NEVER OK to take someone elses money.
Consumer complaint received 2022-07-18
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. (GA)

I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

First and foremost, I acknowledge my debt and have all intentions to pay it. I have made arrangements to pay in a way that does my current budget. Some days the calls will be up to 5 times a day, with an average of 3 calls in a day. Occasionally a these calls are back to back within 5 minutes of each other. The main issue is, a good chunk of these calls when I answer, the line disconnects immediately.
I am usually at work when this occurs so it is very disruptive. I consider this a form a harassment. I have asked that Toyota look into this, but have not received any information pertaining to the issue. When I bring up the issue, staff is always very dismissive. 

Examples : Thursday XX/XX/2023 - 2 incoming calls XXXX and XXXX. Both calls answered, line immediately disconnects.
Consumer complaint received 2024-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (OH)

I just received a credit card bill in the mail from Fortiva Retail Credit for {$51.00}. I never opened this account. I have a charge for {$49.00} described as an annual fee ( posted on XX/XX/year> ) and a {$2.00} charge for a paper statement fee ( posted on XX/XX/year> ). When I called Fortiva customer service, they asked for a social security number and I denied giving them that info as I never gave that info to them to begin with. Im afraid there is a larger scam that will take place if I provide them with my social security number.
Consumer complaint received 2022-12-28
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 sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$220.00}