davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX 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 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.
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (NJ)

I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline
Consumer complaint received 2021-11-16
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. (CA)

REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from XXXX, TransUnion and XXXX stating indirectly that they will not give the information that I requested under FCRA 609 and 611 TransUnion has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021. 

In addition, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, and XX/XX/2021. 

Lastly, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, XX/XX/2021, and XX/XX/2021, and XX/XX/2021 XXXX
Consumer complaint received 2021-11-16
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1000.00} XXXX XXXX-Balance {$370.00} XXXX*-Balance {$0.00} XXXX/XXXX-XXXX-Balance {$0.00} XXXX XXXX-Balance {$860.00} XXXX XXXX-Balance {$0.00} XXXXBalance {$5800.00} XXXX XXXX-XXXX-Balance {$11000.00} XXXX/XXXX-XXXX-Balance {$230.00} XXXX XXXX-Balance $ XXXX-Balance {$1700.00} XXXX XXXXBalance {$560.00} XXXX XXXX-Balance {$630.00} XXXX-Balance {$1000.00}
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (TX)

Someone hacked my chime and XXXX XXXX card, chime card for {$300.00} and XXXX XXXX  for {$100.00} on XX/XX/22. The companys said they will try to dispute it but cant find the transactions but I have them in email. Also I cant access my chime or XXXX XXXX  card anymore. I have emailed both companies the charges.
Consumer complaint received 2021-11-16
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. (PA)

I filed an dispute for a unauthorized account that has be reporting to my credit profile. Ive attempted to dispute this account on multiple occasions. I am a victim of identity theft as I explained to all three bureaus. I just received an update stating that the account has been verified.
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX MEDICAL DATA SYSTEMS Reported : XXXX XXXX, XXXX - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS Reported : XX/XX/XXXX - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-16
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: Financial Management Solutions, LLC (MD)

I called in to FMS financial to obtain my current balance with the company so that I could pay the balance. I was told how much it was and without my consent they again ran my credit making another hard inquiry in my credit and dropped my score down 3 points. I was not aware nor given consent to the company to do so. The only way I found out was because it was reported by XXXX. When I confronted them Mr. XXXX said that my consent to run my credit was not needed and that because I have debt with this company they are allowed to run if they want to. I did not ask for a line of credit or anything pertaining to checking my credit score. Ive also paid off this account in full and it hasnt been reported to the credit bureaus
Consumer complaint received 2020-02-12
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: Eagle Accounts Group, Inc. (NY)

I'm making this report regarding information that was wrongfully put on my credit report that I gave not authorization and had no knowledge of these fraudulent account I will like for these accounts to be removed. 

1.XXXX/XXXX XXXX  XXXX {$330.00} date open XX/XX/XXXX 2.XXXX/ XXXX  {$460.00} date open XX/XX/XXXX 3.XXXX XXXX XXXX $ XXXX date open XX/XX/XXXX account # XXXX
Consumer complaint received 2023-04-10
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: LCI Acquisition Inc. (CA)

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : Account Number # XXXXXXXX XXXX  XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX Account name : US sm bus admin oda Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX Auto Account XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX XXXX Accont name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX XXXX XXXX
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I XXXX divorced XXXX XXXX in XX/XX/2017 we had a joint account at XXXX XXXX, Which was closed for non payment from my husband, not paying it was my wedding ring,. So in our divorce my ex wanted the bill to be all his to the judge signed to him even though it was closed, I am XXXX and could pay it anyways and the judge says I shouldnt have to. So I am having problems with XXXX and equifax now XXXX   took it off right away no problem. I need your help.
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I have been enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX. I met all the criteria for having my loans forgiven under the program in XX/XX/XXXX and I submitted all the necessary applications for the program at that time. When Mohela took over the program from XXXX, I noticed many errors in their payment tracker. They were missing eligible payments I made when the loans were under XXXX. I called Mohela several times to alert them of the issue ( even speaking to supervisors ) and I was told that " lots of accounts have errors and we are eventually going to fix them ''. I kept tabs on it and it has been almost 2 years and they are still missing eligible payments. I have XXXX counted as eligible, but they keep skipping XX/XX/XXXX and XX/XX/XXXX. I paid the full amount due for both those months and have told them this for the past XXXX years via messages and phone calls. I opened a case with the US Department of Education regarding this matter as well that is still not resolved. I was told via message that the account was in forbearance in XX/XX/XXXX and XX/XX/XXXX- but here 's the kicker - I never filed a forbearance request. I believe Mohela is presenting false information to delay approving XXXX loan forgiveness for borrowers so they can prolong receiving money for payments. I even called them out on XX/XX/XXXX in writing to produce proof of a forbearance requested by me at any time in XXXX and they ignored my message- which makes me think someone discovered they were indeed at fault and made a mistake. I received no response other than the templated response they send everyone that says they will address the matter in XXXX business days- well they never responded to my request as to whom requested a forbearance on my account in XXXX if that is true as their representatives claim. They have errors in their data and I and other borrowers have suffered for it. What makes it so egregious is the fact that I asked for a printout of what they had in their files as payment records -- the printout Mohela sent me SHOWS PAYMENTS made XX/XX/XXXX which should have been marked as eligible! How can their own records show the payment yet they keep denying it happened?
Consumer complaint received 2021-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

Dear CFPB facilitis, I opened a TD bank savings account online on XX/XX/2021. I checked my savings account bank statements through mobile app 2 days ago, and I found out that they have been charging me {$1800.00} excess withdrawal fees until now. I just lost my job 2 weeks ago, and I need this money back for me to pay my rent and I'm in the stress to look for a new job during this pandemic time. I just hope CFPB can help me to get the refund back and I am aware of the regulation D regarding to the 6 times limits of the monthly withdrawals now. 

Best regards, XXXX XXXX
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

This ( Hyundai Finance co. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from HYUNDAI and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by HYUNDAI finance co. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$72.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00}
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (NE)

On XX/XX/2019 I called the reliacard services phone number XXXX   to ask them why I had not recieves a XXXX  XXXX  check in 2 months they informed me that I had recieved XXXX  XXXX payments they read them to me they equaled around {$1000.00} I told.them them that I did not want to use their card company anymore because someone took money off my account before about a year ago. Of that {$1000.00} I only got {$23.00} because someone else took all that money so that means that means that someone somehow got a duplicate card I dont know how that is XXXX  but they did it so onXX/XX/XXXX I changed the pin number I thought that they would take care of the situation then on XX/XX/2019 I called to see what was on my card and to see what payments were made because I hadn't used my card since XXXX. When I called XXXX  XXXX  they said that these payments had been made to the card XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} I had not used my card in all that time so I should have had almost {$500.00} on the card so I ordered a new card and had it Express delivery for {$15.00} when I got my card I only had {$63.00} on it so where did my money go? They have no answer for me.they are supposed to be a secure company so why do I keep getting my money stolen? That is nearly {$1700.00} and I haven't seen a penny of it. Where is my money?

I hope you can help
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VA)

XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (CA)

This business contacted me about a debt unrelated to me. I have no relationship with this business and they confirmed I do not have any business with them. This is an unsolicited call and potentially harassment if they attempt to contact me again. I am not the person they are looking for and just because I have the same last name and live in the same state as the person they are trying to contact does not mean I should be receiving collection calls.
Consumer complaint received 2023-06-27
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 was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP
Consumer complaint received 2022-05-20
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. (PA)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$0.00}