davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (IL)

( ONCE AGAIN I AM NOT ARGUING MY ACCOUNTS IM ARGUING YOUR ERRONEOUS REPORTING WHICH IS DESTROYING ME AND MY FAMILY 'S LIFE. 

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

YOU ARE REPORTING MY CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT ONCE IT IS CHARGED OFF AND PLACED ON A CREDIT PROFILE. 

the IRS clearly says a Cancelled debt or Charge Off is income : The reporting of these account as DEBT is inaccurate : THIS IS WHERE YOU ARE IN VIOLATIONS As defined by the IRS income does not get reported on a consumer report once a charge off is put on your credit. YOU MUST REPORT CANCELLED DEBT AS ( GROSS INCOME ) ON YOUR TAX RETURN WHICH MAKES YOUR REPORTING ON MY CREDIT PROFILE INACCURATE. { IRS publication ) 1099-C I have several charge offs on my credit profile from NF ONCE AGAIN I am requesting duplicate 1099-Cs for the following accounts : These accounts are reporting inaccurate according to the law. 

{ XXXX } { XXXX } { XXXX } { XXXX } IT IS MY CONSUMER RIGHTS TO REQUEST THIS INFORMATION I KNOW THE LAW AND YOU XXXX XXXX HAVE IGNORED MY REQUEST OVER AND OVER. 

I am requesting additional information did you charge off any of these accounts with the XXXX XXXX? 

Did you file any of the following debts on XXXX taxes as a { lost of income }? and if so, have you received { a tax credit }. 

According to the IRS rep my taxes are upside down because all of the income XXXX is reporting on my credit profile with there 1099-C 's reducing your tax burden and increasing my taxes. 

The IRS says reporting of a charge off is inaccurate for the simply fact that a charge off is gross-income. 

A Lender must file 1099-C and send you a copy if the amount the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or applicable entity. 
15 USC 1681s2 : Says you XXXX are a furnisher of information to a consumer reporting agency you are PROHIBITED by law to furnish inaccurate information I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.You are hereby put on NOTICE : that your are furnishing incorrect/inaccurate information on my consumer report. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/20, I reached out to Experian to dispute the information below. I have not received a response. 
1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The status is incorrect for the following account XXXX  XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

On XX/XX/20, Experian replied to a complaint filed with the CFPB stating that the complaint was closed, because they did not feel it was filed by me. I submitted copies of my social security card and proof of address. At no point has Experian made an attempt to contact me for any additional information. This response seems to be a stall tactic for them to avoid complying with the law. This is a valid complaint filed by me, and I demand that this complaint be investigated pursuant to section 609 of the Fair Credit Reporting Act, which Experian is currently in violation of. I will forward this complaint and all correspondence to the Maryland State Attorney General for Experian 's violation of this law.
Consumer complaint received 2024-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I reached out via cell and email in regards to my wire transfer, but havent received a response from my bank, the receivers bank, nor intermediary bank. 

I am writing to formally report a dispute regarding an international wire transfer that I believe was part of a fraudulent transaction. I need assistance with recalling or recovering the funds and initiating an investigation. Below are the details of the transaction : Sender Name : XXXX XXXX XXXX Bank : XXXX, XXXX Transfer Date : XX/XX/year> Transaction Reference Number : XXXX Recipient Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX  XXXX ( XXXX ) Recipient Account Number : XXXX Amount Transferred : {$9000.00} USD I sent this wire transfer as a payment to purchase a vehicle from XXXX XXXX XXXX XXXX in XXXX, based on information they provided. However, after speaking with the owner directly, it has come to my attention that the company has not fulfilled its commitment, gave away the funds, sold the vehicle and is refusing to provide the vehicle or return the funds. I now believe this transaction may have been fraudulent. 

I kindly request that you : XXXX. Attempt to recall or place a hold on the transferred funds if possible. 
XXXX. Initiate an investigation into this transaction as a case of suspected fraud. 
XXXX. Provide any documentation or guidance that may assist me in further pursuing this issue with the recipient bank ( XXXX ) or any intermediary bank involved. 

A FTC complaint, XXXX  XXXX  complaint, and police report have all been filed but have no way to contact the bank itself as the department refuses to respond or answer.
Consumer complaint received 2022-07-17
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 Cedit Reporting Act : XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, have 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, states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-03-05
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. (OK)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-02
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. (CA)

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 XXXX XXXX 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 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 2023-03-03
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 EXPERIAN XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, a gentlemen offered to pay XXXX off my Wells Fargo credit card for I can be approved for a loan. Using the credit card information I gave him, he use Wells Fargo check by phone system to make the payment. 
He instructed me to pay him back the next day by gift cards. Wells Fargo credited the amount to my credit card and I completed the task using the credit card. He attemped it again for XXXX on XX/XX/XXXX, but the bank froze the payment. Both payments bounced. 
I contacted Wells Fargo to explain what happened and they kept ignoring the fact that they credited me a bad check for I could make the purchases. 
There was no grace time, my account was credited within hours of receiving the payment. They check purchases, but not the payment. All my other payments was transfered from my Wells Fargo checking account. I spoke to someone and she said there was no safety protocols to prevent fake payments.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-09-16
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. (GA)

Hi I am submitting this 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.with no help.
Consumer complaint received 2022-09-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without 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
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX   XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (IL)

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



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-03
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. (CT)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute an inquiry in my credit file that does not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed inquiry : XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have maintained my account with Bank of America for 7 years. 
I made a mobile deposit on XX/XX/XXXX and the next day the check was rejected. 
I called Bank of America and I was told the name on the check did not match the account name. 
Apparently I was told someone did not look and wrongly rejected the check. 
I was offered an apology and asked to take the check to the banking center the next day. 
Fearing the risk of my rent check not going through, I quickly made a XXXX transfer into this same bank account. received confirmation from the sending bank that the funds has been sent. 
I checked the Bank of America account and there was nothing.

After about an hour, I received a text from bank of America that I have received some funds. I went back to the account and there was no funds in the account.

I become worried and went to the banking center to find out why.

The personal banker did all she could do but the back office told her they are investigating the funds.

For what purpose, I do not know.

I still do not have the zelle transfer neither have I heard from them about the check that was deposited.

This has caused a serious problem for me since I have to make rent payment on or before the 1st of the month and nothing later than that
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.