davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MI)

This company is showing information on my credit report that is inaccurate. It is ruining my livelihood and impairing me from obtaining credit and a place to live. This inaccuracy is causing a great deal of stress in my life and ruining my reputation. They have a grave responsibility of making sure that they are reporting accurate and validated information according to 15 US Code 1681. They are to report with fairness, impartiality, and a respect for the consumers to privacy. It is the purpose that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of consumer law. 

According to the IRS, which is on their website XXXX as of 2021 Even if you didnt receive a Form 1099-C you must cancel debt as gross income on your tax return. 

The IRS clearly defines a charge off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER Report.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (MD)

I have contacted Harris and Harris Limited ( XXXX ) numerous times to ask them to stop calling my number because ( 1 ) I have no debt collection issues with them or anyone and ( 2 ) there is no other person in my home at this phone number. Each time they stated they would remove my number from their data base ; however they continue to make frequent Robo Calls regarding debt collection and XXXX XXXX programs. 

I have never been the subject of any debt collection activity related to this company or any other debt collection entity.
Consumer complaint received 2022-08-05
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: Nelnet, Inc. (MI)

To Whom It May Concern, According to USC 6827 Department of educationXXXX XXXX has violated my rights ( 1 ) Customer The term customer means, with respect to a financial institution, any person ( or authorized representative of a person ) to whom the financial institution provides a product or service, including that of acting as a fiduciary.

( 2 ) Customer information of a financial institution The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer.

( 3 ) Document The term document means any information in any form.

( 4 ) Financial institution ( A ) In general The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution.

( B ) Certain financial institutions specifically included The term financial institution includes any depository institution ( as defined in section 461 ( b ) ( 1 ) ( A ) of title 12 ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 1681a ( p ) of this title ).

( C ) Securities institutions For purposes of subparagraph ( B ) ( i ) the terms broker and dealer have the same meanings as given in section 78c of this title ; ( ii ) the term investment adviser has the same meaning as given in section 80b2 ( a ) ( 11 ) of this title; and ( iii ) the term investment company has the same meaning as given in section 80a3 of this title.

( D ) Certain persons and entities specifically excluded The term financial institution does not include any person or entity with respect to any financial activity that is subject to the jurisdiction of the Commodity Futures Trading Commission under the Commodity Exchange Act [ 7 U.S.C. 1 et seq. ] and does not include the Federal Agricultural Mortgage Corporation or any entity chartered and operating under the Farm Credit Act of 1971 [ 12 U.S.C. 2001 et seq. ].

( E ) Further definition by regulation The Federal Trade Commission, after consultation with Federal banking agencies and the Securities and Exchange Commission, may prescribe regulations clarifying or describing the types of institutions which shall be treated as financial institutions for purposes of this subchapter.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lakeside Recovery Solutions (PA)

XXXX XXXX saids he is a paralegal, of Lakeside Recovery Solutions phone number, XXXX.Just found phonecall today but date on voicemail XXXX.He saids i returned mail in reference to a legal matter i have returned no mail these past months he doesnt have my address and wants me to update my address on there system? He has my name and last 4 # 's of my social security number.He states they hold the legal right to begin the forceful recovery process they have a pending docket # XXXX.They dont tell me the company i owe money too? They dont mention an amount? and they are giving me a docket # yet they dont know my address? This is the first phonecall from this company and it made me uncomfortable.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I submitted a check from my home insurance company, XXXX, who are very reputable. Bank of America said they were holding my check for almost 2 weeks instead of a few days. They gave me no use to any funds whatsoever. 
On XX/XX/XXXX, I noticed that Bank of America cancelled this deposit out without any phone call or notification to me. It was made out to my Mom and myself. The insurance company told me as long as I have POA and a Living Trust since my Mom passed in XXXX of XXXX, I would be ok. 
I had to call BOA this morning and they said they already returned the check to me. I told them I wanted to come in with the documents, but they said they couldn't help me. My insurance agent said why didn't they have the decency to give me a courtesy call??? 
This isn't the first time BOA has handled my accounts with disregard and disrespect. 

I had to contact my Broker and send them the death certificate and they removed my Mom 's name. That does NOT excuse BOA 's behavior. I am a senior and I just suffered a terrible trauma. BOA is rude and condescending. They blame the customer for everything.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (AL)

On my most recent report with Experian, it still contains an employer I have never worked at. and two address I have never had or lived at. I have tried multiple times to correct this issue with them directly as an error could have just been a mistake, but now it appears to be negligence, and a malicious attempt to sabotage the integrity of my report, and my identity. 
A resolution has been attempted via mail, and has been ongoing for the better part of three years, but they appear to be okay with posting information from the identity theft issue that I dealt/dealing with, without any regard from them. 
I have sent them at least on letter every 30-45 days with no action on their part to remove the incorrect information, or verify that I have in fact lived at those addresses or that I worked at XXXX 
XX/XX/2022
Consumer complaint received 2022-07-08
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. (CO)

I received an e-mail saying a new negative item was now impacting my credit score. I logged in and checked and it was a balance from a collection agency for an amount of {$680.00}. I asked for the item to be disputed ( with experian ) and they did so, but in a short time confirmed it was my information. I tried to file a police report but the police still have not returned my calls. Experian doesnt seem concerned that Im telling them that the person who used my info to get approved for this card was not me. I told the collection agency that this isnt me. They agreed that it looked suspicious that it was not my address on the account. I still have not heard back from XXXX XXXX XXXX. My previous employer, XXXX XXXX XXXX lost my personal information due to a data breach. During the year of 2021 I had the credit reporting agencies lock my social security number with a fraud alert.
Consumer complaint received 2022-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

In XXXX of 2022, I was awarded {$40000.00} from the Texas XXXX XXXX  to be applied directly to my mortgage with Penny Mac. This award was based on my application with this organization and the death of my husband in XX/XX/2022 as a direct result of the XXXX. On XX/XX/2022, Penny Mac RETURNED the {$40000.00} award to the Texas XXXX XXXX with no explanation or notice to me.
Consumer complaint received 2022-12-28
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. (TN)

Dear Madam or Sir, I am disputing the information XXXX XXXXXXXX XXXX of {$1200.00} in my credit reporting. We do not owe any money to XXXX XXXX XXXXXXXX, on the contrary the company owe us because we overpaid them. Our last day in the apartment was XX/XX/XXXX and was credited XXXX  days rent. By looking at the attached balance statement you will see that the company charged us the month of XXXX, which is incorrect and does not make any sense. If so why give us XXXX  days credit for the month of XXXX? We moved out of the property in XXXX and returned the keys. Furthermore, if you look at the court document you will see that thXXXX XXXX XXXX  was dismissed and all costs and taxes to be paid by plaintiff. Again, if you look at the same balance statement you will see that we were charged {$230.00}, which is in complete violation with the court order. I am requesting this wrong information to be deleted from my credit report because I do not owe any money to XXXXXXXX XXXX XXXX. Thank you for your understanding!
Consumer complaint received 2020-10-07
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. (GA)

SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-09-19
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-03
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. (GA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  / XXXX XXXX   XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Capitol One on XX/XX/20 about my Walmart credit card dispute on a charge that was made by a scammer vendor XXXX for {$1900.00}. When I contact Capitol One they are claiming that XXXX needs to refund me and when I contacted XXXX they are claiming that Capitol One has a charge back that is active. XXXX is claiming that they are willing to refund my money buy is not doing it and sending false documents to Capitol One, when I contact Capitol One they are referring me back to XXXX. Capitol one had the charge back and my account was credited but they took the credit off and it is a active charge now. 

PLEASE HELP ME. BOTH OF THESE COMPANY ARE TOUGH TO DEAL WITH!!!
Consumer complaint received 2020-09-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-03
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. (LA)

The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.
Consumer complaint received 2020-09-03
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. (LA)

The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a request to the below mentioned credit bureau, along with a copy of my current drivers license as proof of my identity to have my name and address information corrected on my credit report because the reporting agency has published my personal information inaccurately. 

I asked that the following address and wrong spelling of my name be removed : 1. XXXX XXXX. XXXX ... .There is no middle initial in my name 2. XXXX XXXX XXXX ... .I do not have a middle name at all I've never lived at the following addresses : 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX 4.  XXXX XXXX XXXX XXXX XXXX, NC XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX 7. XXXX XXXX XXXX XXXX, MA XXXX 8. XXXX XXXX XXXX XXXX, MA XXXX All of the information from 1 thru 8 need to be deleted from my credit report, pursuant to the Fair Credit Reporting Act.
Consumer complaint received 2021-11-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2020-09-03
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. (VA)

My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month. Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.
Consumer complaint received 2020-09-03
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: EQUIFAX, INC. (GA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX