davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX  XX/XX/2022 .But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 16811 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

2.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX Account Number : XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncomplianceYou
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I am requesting that the following accounts be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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. (TX)

FCRA Vilolations not mine notmy XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off/Never late. {$4300.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4200.00} Status Account charged off/Never late. {$5500.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5800.00} written off. 
not my morgage XXXX XXXX XXXX XXXX  Account number XXXX Account type FHA Mortgage ws never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$9500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$580.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6900.00} Status Open. 
not my addreses XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX not my phone numbers ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX. However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

I started a company and used my PayPal to collect goods and services from customers. They then banned my account on XX/XX/XXXX and when I called they told me that they had no reason to ban my account what so ever. They said and I quote we can not give you specific reasoning to why this account was banned because we dont have one. They then said they are holding the almost {$2000.00} for 6 months. But said that I should make a business account and that I can still use my account that way. I then made one and connected my website to it via XXXX. Immediately once I connected my bank account they put my account under review on XX/XX/XXXX. While I followed every single guideline for PayPal.  Then today on XX/XX/XXXX they banned my account again for not one reason at all and am holding my money, around {$7000.00}, for 6 months. They are making money off of my money while I need that money crucially to run my business. They discriminating against me for no reason at all what so ever. They told me I could use my business account but immediately banned it once I had more money in there and found out it was my business. Which this business is  legal. I own a XXXX XXXX business where I XXXX XXXX XXXX XXXX XXXX. I have all legal documents to run this business, Tax ID, Kansas Tax number, Kansas State resell certificate, and every other document I can think of. This is getting ridiculous from PayPal as they are holding close to {$10000.00} in 2 accounts that I need now. They accused me of being a liability, but I have NEVER had a customer charge me back or even start a case to charge back. Thank you guys for all the help you will provide me with.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute certain inaccurate information that is currently reported on my credit file. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), it is mandated that credit bureaus confirm the accuracy of the information they report within the legally allowed time range. The following accounts on my credit report are inaccurately reported, and I request an immediate investigation and correction of these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
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. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX 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 2020-09-17
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. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX 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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to bring to your attention inaccuracies in my credit report, as discovered upon my recent review. Pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the Fair Credit Reporting Act, I request that you verify the following accounts ( A ) and remove any inaccuracies within the legally mandated time frame. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (LA)

Dear Consumer Relations : The reason I am filing this complaint with your agency is due to CITIBANK N.A reporting the wrong open date as being XX/XX/XXXX re-age debt. The correct opening date should reflect XX/XX/XXXX, according to my contract which is attached to this complaint. 

Secondly, the account was sold to a collection agency XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance due {$6900.00}. Citibank has done nothing but inflated its balance in an attempt to collect more than what is due. This practice is fraudulent. Once the account is charged-off and sent to an outside collection agency, all charges shall cease by the original creditor. It is my sincere prayer that your agency lodge complaint into the issue stated. 

Regards, XXXX XXXX
Consumer complaint received 2020-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2020 I was on my honeymoon in West Virginia. We live in Michigan. While on the honeymoon, my account was frozen without any explanation. I was far away from home without any access to any money. We hadn't eaten and we were nearly out of gas and atleast 8 hours from home. I stopped at a place that was willing to take my mother 's credit card for payment for food so we could eat that night. I called the customer service number at Chase and was put on hold for many hours. I would get disconnected and I would call back only to be put on hold for several more hours. I finally reached someone who was going to connect me with a manager to find out why my account was frozen. During this call, the representative somehow disconnected with me BUT instead connected me to another customer. This customer heard my name, address, account number at other pertinent information and then realized they were connected to me, another customer, and hung up. Because we were stuck out of state without any money, my mother went to Chase the next day ( Saturday ) to sit in front of a manage so they could have me call in to discuss this situation. The manager was on for several hours to customer service as well and attempted an in network chat with a loss prevention manager to discuss. The only thing that was told to me and my mother at that time was that it was due to fraudulent activity from deposits made. My mother had to do a XXXX to XXXX money exchange so I could pick up money to get home. Once I was home, I kept calling and stopping at the bank for an explanation. I kept getting the run around. No one would tell me what " fraudulent '' deposit occured. Finally, this past week and nearly 1 month later, I was told it was because my wife UIA was being deposited into my account. We have been married for nearly 2 years. She wasn't listed on the account but she has deposited paychecks into my account prior to this. This has caused my family so much stress and I was struggling to meet my bills since Chase was holding over {$1200.00} of our money. We spent the initial week having to borrow money just to pay bills, do grocery shopping, buying diapers and pet food. This is horrendous that a bank can do this to individuals and leave them without any funds whatsoever. If it weren't for family, we would have starved, my son wouldn't have had diapers to wear, my pets would have starved. What gives them the right to hold my money? This was criminal and the bank was extremely unprofessional in the way they handled this ... .especially during the pandemic when it was extremely difficult to find any money to earn. This bank needs to be held accountable. I will NEVER do business with Chase and now I am hesitant to do any banking with any banks in the future. My family is now moving their accounts from Chase. They do not trust them!!!!
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (TX)

Subject : Request for Resolution Regarding Reporting of Canceled Debt and Form 1099-C Dear ELAN FINANCIAL SERVICE , I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As governed by the Internal Revenue Code ( IRC ) Section 6050P, I, XXXX XXXX XXXX XXXX, had explicitly requested the issuance of Form 1099-C for the charged-off account.

In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. Despite this request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation.

It has come to my attention that, by law and per the IRS, once a debt has been canceled, and a Form 1099-C has been issued, the credit report should no longer show a remaining balance due. The status of the account should be updated to reflect that it is no longer in a charged-off status, indicating that the debt has been canceled or resolved.

Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness.

IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy.

IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable.

Despite my clear request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation. The reporting inaccuracies have the potential to impact my ability to accurately report canceled debt on my income tax return. As of the current date, the issues remain unresolved.

I appreciate the opportunity to provide this information as part of the complaint process. If further details or clarification are needed, please feel free to contact me at XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, SSN : XXXX, XXXX : XX/XX/year>, XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In around XX/XX/2020 i came across my credit report and found several fraudulent accounts, but specifically XXXX XXXX XXXX Account # XXXX i immediately sent out a police report and affidavit seeking to resolve these inaccurate accounts. instead of them being removed they came back as being updated. I realized that several laws were broken according to the FCRA. meanwhile i have been held hostage by this company and the credit bureaus. My score and history is tied to my character and is now being dragged and marred. this further makes it worse especially during this whole covid-19 pandemic.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress.

I first noticed the late open accounts, Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it.

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score.

A written confirmation of the resolution, including the date when the correction was made.

An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner.

I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account : XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-10-20
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. (PA)

I have Unauthorized accounts & inquires on my Credit report. According to the FCRA Any Unauthorized items on my report must be removed if not 100 % Accurate & Verifiable. Please Remove this From my report.