davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (TN)

I recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe.

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes.

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish.

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (CA)

This loan was for XXXX to date i have paid {$640.00} and still owe XXXX the company is not interested i resolving this matter i can not longer afford the payments it was never made clear even thought they say they did i can not make the payments any longer and i hope they will consider the loan # XXXX paid in full.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX} and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I contacted The President and CEO of XXXX XXXX XXXX XXXX, via certified mail, twice in the past month. My mail is not being scanned as delivered and I have proof of sending it through USPS. I sent my complaint to the Attorney General of my state and XXXX responded within 2 weeks. Now my letters are in limbo. I asked for debt validation and they sent me back invoices which isnt proof of indebtedness or obligation to repay a debt. Theyve also violated multiple FDCPA codes and Ive sent an Affidavit of Truth which still stands as fact as it was not challenged and even if it were, I have exhibits proving otherwise. I know my rights as a consumer and Im still waiting for verification/validation of the origins of this alleged debt.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (PA)

I recently went to check my consumer report on XX/XX/2022 and I noticed some new accounts on my consumer report. The account that I am talking about is the XXXX XXXX  account XXXX Before I proceed, I would like to make it clear to your company, and those in position of authority at your company that congress makes it clear that the banking system is dependent upon consumer reports being fair, and accurate to me pursuant 15 USC 1681 ( a ) ( 1 ).

Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role and because your assumptions you have negatively affected my life, and those around me causing me severe hardships, mental anguish, and XXXX. I have been unable to provide for myself and my family because of you assuming this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) You are unfair in reporting this information without first consulting with me the consumer, you have no proof that this transaction even took place. You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party and reporting this information because of that third party. I am demanding that this information be removed immediately.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not fair and equitable to me. This information is not accurate nor is it relevant to me, nor was this false information properly utilized in a manner that is or was equitable to me. This transaction if it even took place shouldve been confidential so you in fact betrayed my confidence.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) If this was a factual transaction ( Which you would not know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) I the consumer was not given a chance to direct the information whether I want information about this transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.

Pursuant to 15 USC 1681a ( 2 ) ( B ) I the consumer is aware that transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. Thus, making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report.

Pursuant to 15 USC 1681b ( 2 ) I the consumer never gave written permission for this consumer credit transaction to be report on my consumer report
Consumer complaint received 2022-03-18
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. (NJ)

I have a XXXX account with what is supposed to have a Date of First Delinquency of XXXX and is supposed to fall off in XX/XX/XXXX. Both XXXX have it reporting properly ; EXPERIAN is wrongly reporting it as a more current account. They refuse to correct it via disputes and it is impossible to call them as they no longer take phone calls from people and only use an automated system. I am demanding to speak to a human to confirm the accuracy of this information from EXPERIAN and they will not speak to me. I've tried to get past their automated prompts endlessly to no avail. This one mistake is causing a XXXX point difference in my scores and it is easily attributable to this one wrongly reporting account
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I received an email from Barclays saying I was late on my payment. I DO NOT have a Barclays account/card and I have never received any kind of statement ( email or paper ) from them except the one telling me I was late. I called them immediately and had to give information that made me uncomfortable but I wanted to clear up this problem. They sent me a letter saying their fraud department was investigating. That is all I have ever received from them= XXXX email and the letter. NEVER A STATEMENT! They called today to tell me the charges are mine because it was my XXXX!? My husband does not have a Barclays card and I certainly didnt make him an authorized user since I DO NOT HAVE A BARCLAYS CARD! They could not tell me my XXXX name. They said I need to show documentation that I didnt make the charges. How can I do that when Ive never received any kind of statement from them? Please let me known if you need more information to solve this case. Id like to see the statements but I dont know the fraudulent account number so they wont see it to me. It is not right!!! Your help is greatly appreciated!!
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (PA)

I recently went to check my consumer report on XX/XX/2022 and I noticed some new accounts on my consumer report. The account that I am talking about is the XXXX XXXX  account XXXX Before I proceed, I would like to make it clear to your company, and those in position of authority at your company that congress makes it clear that the banking system is dependent upon consumer reports being fair, and accurate to me pursuant 15 USC 1681 ( a ) ( 1 ).

Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role and because your assumptions you have negatively affected my life, and those around me causing me severe hardships, mental anguish, and XXXX. I have been unable to provide for myself and my family because of you assuming this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) You are unfair in reporting this information without first consulting with me the consumer, you have no proof that this transaction even took place. You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party and reporting this information because of that third party. I am demanding that this information be removed immediately.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not fair and equitable to me. This information is not accurate nor is it relevant to me, nor was this false information properly utilized in a manner that is or was equitable to me. This transaction if it even took place shouldve been confidential so you in fact betrayed my confidence.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) If this was a factual transaction ( Which you would not know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) I the consumer was not given a chance to direct the information whether I want information about this transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.

Pursuant to 15 USC 1681a ( 2 ) ( B ) I the consumer is aware that transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. Thus, making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report.

Pursuant to 15 USC 1681b ( 2 ) I the consumer never gave written permission for this consumer credit transaction to be report on my consumer report
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act accounts XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (VA)

Certified letter was sent and electronically confirmed received by Experian on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX, requesting copies of documents on file proving the debt had been validated, for example signed and dated contracts, itemized billing statements copies, and anything else that was in my credit file. 

As of today, XX/XX/XXXX, I have not received the requested information. 

They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation. 
XXXX and XXXX proof of certified request received is also attached. 

Please note that as of today, XX/XX/XXXX, I have not received the requested information. I spoke to XXXX different people at XXXX, XXXX XXXX, XXXX XXXX, XXXX Special Handling Rep.and XXXX XXXX, Senior Supervisor. They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation as a consumer.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

i noticed a charge on my credit card account in the amount of XXXX $ posted on XX/XX/XXXX from XXXX. 

i dont recall making any purchase with XXXX on XX/XX/XXXX. 

when i contacted XXXX regarding this charge, XXXX informed me that it was a purchase made on XX/XX/XXXX, but was not able to provide any information on this transaction. 

i contacted my bank ( chase ) to dispute this transaction. 

2 months after my initial dispute request, the bank responded to the dispute XXXX said i was responsible becuase i had prior purchases with this business. yes, i have shopped with XXXX in the past, and during that time period ( XXXX and XXXX ). However, i never authorized this charge for XXXX and no one ( XXXX or my bank ) is able to tell me what was purchased.
Consumer complaint received 2023-09-23
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. (NV)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I found out 2 years ago when I received my annual credit report that I was a victim of identity theft. Someone from XXXX, Florida used my name and SSN to open a credit card Account from XXXX  XXXX which was subsequently transferred to Midland funding. I have attempted to resolve this issue with Midland Funding with no success. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ACCT XXXX
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

In summer 2021, I received notifications to recertify my XXXX despite the COVID-19 forbearance/moratorium on all federal student loan payments. I completed the IDR so as to not default on any PSLF payments, and my amount due tripled. I recently learned that during the COVID-19 forbearance period, I was NOT required to recertify my XXXX payment plan despite reminders from FedLoan Servicing that I needed to complete that paperwork. I'm trying to contact FedLoan to revert back to my old payment plan as I'm legally allowed to do so. FedLoan was VERY misleading and never informed me of this. I only found out about this incredible cost-saving option through XXXXXXXX XXXX PSLF thread. The fact that no one is advertising this will have serious financial implications for those who got married, had children, or other major life events during the pandemic.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (AR)

I had a car that was impounded during a snow emergency in XXXX DC while I was traveling internationally. It was technically a repossession because the creditor had to pick the car up. The repossession occurred XX/XX/XXXX and i picked up the car XX/XX/XXXX. The car was paid off XX/XX/XXXX. The repossession comments are still being sent to the credit reporting agencies even though this was over 7 years ago now.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now