davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (GA)

A notice was sent several times to Transunion, XXXX, XXXX. I humbly requested Transunion, XXXX, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for Transunion, XXXX, XXXX to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand Transunion, XXXX, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that Transunion, XXXX, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, Transunion, XXXX, XXXX must comply with my written instructions. I have given Transunion, XXXX, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

Transunion, XXXX, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX  XXXX  / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX / Account # XXXX - XXXX XXXX XXXX  XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXXc / Account # XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently viewed my credit report and saw several discrepancies and inaccuracies with the accounts listed below. There are several inaccuracies on each accounts date opened, payment date, payment amounts, etc. that needs to be removed immediately. 
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 XXXXXXXX 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 or intormation Any otner adverse item Or Information, Otner than records Or convictions Or Crimes which antedates the report DV more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the intormation is inaccurate
Consumer complaint received 2022-12-03
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. (MI)

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 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 XXXXXXXX has violated my rights. 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 2021-01-29
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)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-29
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)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-02-15
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-15
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. (CA)

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX, XXXX and TransUnion have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (TN)

Credit report from XXXX and XXXX either has not been updated or reported accurately from NewRez to these two credit bureaus. XXXX has been updated accurately showing this mortgage from NewRez has been closed and satsified as of XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc. (WI)

I was contacted by my place of employment yesterday, XX/XX/year>XXXX  at approximately XXXX, which is a County Government Coroner 's Office . In was informed that a " XXXX XXXX '' from NCB Management Services called the office numerous times to attempt to collect a debt from me and request my private information from my employer, and she also provided my employer with private information of mine as well as identified herself as a debt collector without verifying it was me she was speaking with. I was told I needed to make sure this did not happen again as it was not the first time, she had been told to stop in the past, and it is inappropriate and could cost me my job due to the nature of my career and the absolute necessity for our phone lines to be available at all costs for people actually experiencing an emergency. I assured them it would be taken care of immediately. 
I called the number XXXX XXXX left with the office at approximately XXXX and spoke directly with XXXX XXXX XXXX as she confirmed her name as " XXXX XXXX XXXX '' After I gave her my name, she immediately began asking for personal information and I told her I first needed to know why she decided to contact my employer. XXXX XXXX told me that was the only form of contact they had on file for me. This is untrue as I had recently requested a payment history from them and information of what the debt I had supposedly stopped making payments on via payment plan was even for/where it came from, as I have no records of payments or agreements, and had received a collection letter from them in the mail previously as well as emails from them. I received the requested information from them a few days ago via mail showing they do in fact have other ways to contact me, and my information can be obtained in other ways than calling my government employer. The piece of mail I received from NBC Management Services was apparently drafted on " XXXX '' according to the date listed right on the letter. It did not inform me what the debt was for, but showed that it had been purchased from " XXXX XXXX  and XXXX. '' XXXX XXXX was dismissive of my issue with her contacting my employer and insisted she had every right to do so. She then continued to cut me off and try to get more personal information from me and claimed if I didn't answer her questions, more issues could come from it. I finally told her I would now be filing a complaint and hung up.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (NC)

Improper Reporting of Canceled Debt and Failure to Provide Form XXXX Dear CFPB, I am filing this complaint to address two issues : ( 1 ) the inaccurate reporting of a canceled debt on my credit report, and ( 2 ) the failure of the creditor to provide me with the IRS Form 1099-C as required by federal law.

Facts of the Matter : 1. The creditor has reported the debt as a charge-off ( or settlement/repossession ) on my credit report. Under IRS guidelines, a charge-off or similar action is considered evidence of debt cancellation, triggering the requirement to issue a Form 1099-C for debts of {$600.00} or more.

2. To date, the creditor has failed to provide me with a Form 1099-C, despite IRS regulations requiring that it be issued by XX/XX/XXXX of the year following the debt cancellation or charge-off.

3. Reporting the debt as a charge-off on my credit report implies that it is still owed or collectible, which contradicts its classification as canceled income for tax purposes.

Relevant Laws and Regulations : Internal Revenue Code ( IRC ) 6050P : Requires creditors to issue a Form 1099-C for canceled debts of {$600.00} or more and provide a copy to the debtor by XX/XX/XXXX of the following year. 
Fair Credit Reporting Act ( FCRA ) : Requires furnishers of information to ensure that all information reported to consumer credit reporting agencies is accurate and not misleading.

Issues and Impact on Me : 1. The continued reporting of the debt as a charge-off on my credit report is misleading and inaccurate, violating FCRA requirements.

2. The creditors failure to provide me with the required Form 1099-C has created additional confusion, as I am unable to confirm whether the debt has been properly canceled for tax purposes.

3. This inaccurate reporting and lack of documentation have caused harm to my creditworthiness and financial planning.
Consumer complaint received 2022-07-28
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. (PA)

This account was reported to my Experian credit report and it do not belong to me XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance XXXX. I have files a dispute with Experian however they have not properly investigated it and contacting to report to my credit.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

Date opened XXXX XXXX amount allegedly owed {$2300.00} my consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt and cease and desist has been sent
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: I.C. System, Inc. (FL)

I C System has been calling to collect the debt from XXXX XXXX  of central XXXX. Not only have I paid off the security system before I sold the home 5+ years ago. They wont stop calling me very early in the morning I have been working in XXXX on and off for the past few years and I am getting collections calls as early as XXXX local time. They are very unprofessional and verbally abusive when it comes to a matter that they dont have all the facts about. In addition to that there was an unjust derogatory mark submitted. For {$1000.00}. After I paid everything that was agreed in the initial contract from 2012
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XXXX XX/XX/XXXX, I received a notice from USAA Federal Savings Bank at XXXX that I was being assessed a non-sufficient funds fee of {$29.00} because of a {$9.00} ACH debit that did not clear. On XXXX XX/XX/XXXX, I contacted a customer service representative via banks mobile app chat portal to dispute the charge and request a refund. XXXX, the representative that I was connected to, informed me that I was assessed the {$29.00} fee because when the {$9.00} ACH attempted to clear on XXXX XX/XX/XXXX, my balance was, according to her, {$8.00} when they attempted to clear the debit. I informed her that according to the ledger of posted transactions for XXXX XX/XX/XXXX on the banks mobile app, my balance never fell below {$9.00}. XXXX informed me that the system would not allow her to issue a refund.
Consumer complaint received 2022-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (PA)

In XX/XX/XXXX I refinanced some of my student loans that I had with Sallie Mae. I only refinanced the loans that had my Mother as my cosigner. We got the payoff emails, confirmation that loans were paid off. I found out in XXXX of XXXX that one of my other loans was paid off instead of the correct one. I called and was assured the error would be fixed and the agent promised me the loan was now paid off. The following month I was charged {$360.00} for the loan that was supposed to paid off. The " paid off '' loan had a balance of around {$800.00}. I tried communicating with a few different agents about the balance difference and each one told me I refinanced the wrong amount, my refinancing bank paid the wrong amount, etc. After many agents insisting it was my fault a manager assured me the remaining {$400.00} balance would be waived. Nothing was said about refunding me the {$360.00} that I should not have paid, etc. I still see the outstanding balance on my account and I can barely afford my current payments, so I can not afford to be in delinquent status as well. I have had an extremely negative experience with Sallie Mae since I first borrowed money for college in XXXX.
Consumer complaint received 2022-02-15
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (MS)

There are inaccuracies on my credit report involving 15 USC 16c-2. The inquiries mentioned were not authorized and are harming my credit score. I request the removal of all unauthorized hard inquiries. Thank you.
Consumer complaint received 2021-06-07
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( Experian, XXXX, and XXXX  ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX  and XXXX  reports as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX  XXXX, BALANCE {$11000.00}, OPENED XX/XX/2017, ACCOUNT XXXX
Consumer complaint received 2021-01-29
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. (NV)

Employment incorrect, Not employed with XXXX XXXX XXXX  Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX never lived here XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Trans union , XXXX  , XXXX I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc. (FL)

The complaint regards the NCTUE or National Consumer Telecom & Utilities Exchange. I have recently been a victim of identity theft and on my XXXX credit reports, there are many inquiries from telecommunication companies and cable companies like XXXX, XXXX XXXXXXXX and more. I need to receive my NCTUE report in order to see if a fraudulent account has been opened in my name. After calling more than 15 times I can not get my report I am entitled to. I have never received an NCTUE report ever in the past, so I have not already used my 1 per year. I have also requested a report through the mailing process with no luck and no response. 

I KNOW I am entitled to a report, and NCTUE is making it impossible for me to receive the report I am entitled to and thus affecting my ability to protect my identity, my earnings, my credit worthiness, and more. 

Thank you CFPB for keeping the consumer in mind, I believe that y'all will address this situation appropriately.