davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

Hello CFPB, This complaint is for XXXX. There was fraudulent charges that were done with and without my card ( manually ) and I discovered the fraud when I went to my XXXX XXXX account and saw an unusual high balance that should not have been that high at that time. I filed a dispute in the amount of {$6300.00} for the fraudulent charges that were done on my account ending in XXXX. The initial claim number with XXXX is XXXX. XXXX is falsely accusing me that there was no fraud indicated when in fact there was. XXXX and its employees that contacted me to ask me questions were very rude and they were accusing me that there was no fraud when in fact there was. On XX/XX/2022 I spoke to another agent in the fraud department and she informed me to file a police report which I did so they can re look this claim. On XX/XX/2022 I filed a police report in the amount of {$6300.00} which I will attach to this complaint. XXXX is not only accusing me falsely but they are also holding a innocent card holder to pay a balance that does not belong to me. They are also jeopardizing my credit because if the balance is not paid they will report it to my credit bureaus which they should not because I do not know what those charges are coming from. I have never been late on any of my payments with XXXX and they are holding and jeopardizing my credit for a balance I am not obligated to pay for since I have no knowledge in those transactions. XXXX and its 2 workers that contacted me were very unprofessional and were falsely accusing me. XXXX needs to be investigated for falsely holding someone responsible for a debt I have no knowledge in. I will be attaching my police report that I completed on XX/XX/2022. XXXX has no right to accuse a innocent individual and jeopardize there credit for transactions I have no knowledge in. CFPB please investigate XXXX for unrightfully blaming me and holding me responsible for a balance I am not obligated to pay by law since I have no knowledge in those transactions. Please investigate XXXX. By law a consumer is responsible to only pay for debt they create and in this case those charges were not created by me however XXXX is threatening my credit that I have worked extremely hard to keep clean. These charges have been reported to the police. I will also be filing a complaint with the CA Attorney General towards XXXX for falsely accusing me and holding my credit as XXXX for a debt I am deemed not responsible for. Thank you.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

XXXX and Equifax have my current address incorrect. The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.
Consumer complaint received 2022-04-21
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNT XXXX XXXX ACCOUNT NUMBER NOT LISTED XX/XX/2014 {$2400.00}
Consumer complaint received 2024-03-11
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)

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been trying to resolve issues with Transunion for over XXXX months I have filed numerous complaints here and with the better business bureau. Till this day I have not gotten a copy of my credit report TransUnion claimed they needed 60 days to review my report and it still has not been updated to reflect accurate and correct information. I have requested on XXXX occasions an audit of the entire account for accuracy to no avail. I can not access the trans Union website as it keeps giving me error claims that say I can not be verified. I have spoken to numerous Transunion employees who all give me no remedy in accessing my credit reports. I have been told I will be called back with a manager never to have it happen. I have been told I need to file a stolen identity report with police to get access back into my report. I have mad more than 15 requests for my credit reports to be audited and correct accurate information be reported. Trans union is willfully violating the fair credit trading act and refuses to comply.
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (GA)

Experian is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Experian is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter. Dispute letter was mailed certified on XX/XX/22 under tracking # XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022 I pulled my credit reports and noticed several accounts Transunion and XXXX are reporting inaccurately. On both credit reports XXXX and Transunion are reporting inaccurate and unverifiable late payments on 4 accounts. on XX/XX/2022, I mailed Transunion and XXXX letters disputing this information and demanding verifiable proof that this information is accurate, up-to-date and true ( see certified tracking slips + letters attached ). I have never been late and I know for a fact I have never been late more than 30 days on any account I have ever owned. See exhibits attached. 

On XX/XX/2022 I contacted XXXX ( an account both CA 's are reporting inaccurate late payments for ) and I spoke with 2 representatives at XXXX XXXX EST, using number XXXX, XXXX and XXXX XXXX # XXXX in the Members Resolutions Department, regarding the alleged late payments. Both representatives CONFIRMED that the information is indeed INNACURATE. 


This information is inaccurate and hurting my credit worthiness. My rights are being violated when both credit reporting agencies are failing to ensure all information placed on my consumer credit report is verifiable and true. I don't appreciate my credit reputation being damaged in any way.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (TN)

I check my consumer report & seen that FOX COLLECTION CENTER was reporting a ALLEGED DEBT on my report! 
FOX COLLECTION CENTER never sent me any letters about this ALLEGED DEBT. 
I am disputing and requesting validation according to Title 15 U.S. Code 1692g FOX COLLECTION CENTER HAS TO REMOVED ALLEGED ACCOUNT FROM MY CONSUMER REPORTS
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/2021 I signed up for a corporate funding package with XXXX XXXX XXXX I paid {$3900.00} upfront fee to have a corporation setup and some files and things put in place to help me qualify for corporate funding. I never received any corporation formation documents or anything pertaining to anything we discussed. I became suspicious after he never called to give me any kind of update and would only respond to my emails here and there. Once I got tired of the excuses and the game of cat and mouse, I officially asked for a refund in XXXX five or so months after I'd paid. He then stopped responding to me completely and I reported this to my attorney at legal shield and they sent the first collection letter XX/XX/XXXX and the second one XX/XX/XXXX because he never responded to it. In between all of that and filing this complaint today, I reached out to my bank Regions and asked if the could reverse the transaction because I was scammed out of hard earned money and it is causing financial hardship. They said that because I imitated it they could do nothing. I explained that I was swindled and needed there help in retrieving the money that I'd wired in good faith but was being deceived the entire time. This merchant has disappeared it seems with my money and is not responding to any letters, emails, or texts.
Consumer complaint received 2023-02-22
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. (MS)

I have reached out to the credit bureau several time in regard to some accounts that are reporting inaccurate. They are not sending me any verification as to how these accounts are accurate if they are reporting two different account balances. The dates sent letters are listed below. Attachments are attached! XXXX first is reporting a balance of {$110.00} and there should be {$0.00} balance reporting. They are also reporting a balance {$220.00} twice and the balance should be {$0.00}. This also appears to be a duplicate account. Also, there is one reporting as {$520.00} when the balance should be {$0.00} the way XXXX is reporting {$0.00}. 
XXXX is reporting a different balance and I do not owe any money. How is it that XXXX is reporting a monthly payment and TransUnion is reporting $ 0 monthly payment as well as a different balance and past due amount. There are alot of discrepancies here! 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-21
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. (NC)

I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (AZ)

I have been getting contacted by an agency called " GC '' Services and they will not tell me why they are calling me. I am not past due on any accounts that are owed and will not provide me with any information.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting.

How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX : Account number : XXXX, Date Last Active and Date Last Reported shows multiple dates ; also, each bureau showing a different High Balance. These are violations and I want this removed from my report. 

Last Active XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX Last Reported XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX High Balance XXXX {$37000.00} EQUIFAX {$81000.00} I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help.
Consumer complaint received 2022-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

XXXXedloan. PSLF application. Takes over a month to receive replies to email with no response to the concern, just asking for more patience. Been almost 90 days since getting a letter to verify my employer eligibility to move my PSLF application forward. Ive been employed with the same eligible employer per Federal Fin Aid site since 2002 and making payments ever since. There is no reason to hold up my account with no specific response to my inquiries.
Consumer complaint received 2016-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ORG GC GP BUYER, LLC (NY)

I am in the process of getting my loans out of default. I initially called the XXXX to get a breakdown of all my Direct loans. I was informed by a representative of the XXXX that my loan is now being handled by GC Services. I was provided with the contact information ( XXXX ), and gave GC Services a call immediately. The agent handling my case provided me with amount of money owed for the Direct loans, and told me I was required to speak to her manager if I had specific questions on the defaulted Direct loans and options for repayment. I agreed, and was transferred to her manager who then proceeded to explain the option of the Rehabilitation Program. Once he finished explaining what the Rehabilitation Program is all about, he proceeded to ask me questions like, my most up to date address, phone number, and place of work. I explained to him that I did not feel comfortable providing that information until I considered all my options first, and by doing so I needed to know what the monthly payment would be if I considered the Rehabilitation Program. He proceeded to tell me that he will not give me that information until I told him I wanted to participate in the program. So, I told him if he did n't want to provide the information to me I would go along pretending I was going to participate in the program just so I can get an idea of what my monthly payments would be. Once he gave me the monthly payment amount, I proceeded in telling him that I will not be moving forward with the program until I know all of my options. He then threatened me with garnishing my wages if I did not participate. Although I am aware this is a possibility, under the Fair Debt Collections Act, it is prohibited to threaten any person in connection with the collection of a debt. This is a threat and should no be tolerated by anyone.
Consumer complaint received 2023-10-21
Product: Credit reporting 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. (GA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-21
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: Monterey Financial Services LLC (MO)

On XX/XX/2022 Monterey Collection Services XXXX XXXX at XXXX XXXX maliciously placed a {$4800.00} amount on my personal credit report with XXXX, XXXX and XXXX. They have NO supporting documents or any evidence or me owing the debt.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-04-21
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. (FL)

I went to XXXX XXXX dealership in XXXX on XX/XX/2021. I repeatedly asked and demanded the representative to not shotgun my credit. He disregarded my request and shotgunned my credit to all of his lenders. He was never given written consent to do this and he can not prove any written signature from me stating that I gave him permission to run my credit multiple times. I have repeatedly tried to take this information off of my Transunion report but Transunion refuses to cooperate with me. 

Transunion has actually not cooperated with any of my requests in regards to my credit report. They have stayed their company policy exceeds the federal law & Fair credit reporting act. I have demanded these inquiries off but they refuse to cooperate with me. I understand that i am the consumer & they refuse to work fairly with the consumer.
Consumer complaint received 2022-04-21
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. (NY)

Experian notified me of a hard inquiry on my account XX/XX/2022. As far as I know it would have been an application at that time. XXXX XXXX XXXX was the source of inquiry. When I called XXXX XXXX they said someone applied for a credit card in my name. They gave me this information to contact you. I also placed a fraud alert with credit all 3 bureaus. As far as I know this was stopped before any transactions were done, so no losses at this time.