davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-24
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. (CA)

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account Name : XXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-03-13
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Debt Management Incorporated (MA)

I was XXXX and taken off a highway by XXXX, state police found me not at fault, Auto insurance miss this nill and now the company is wrecking my credit, They have all the ins info but they choose to to hurt me instead, I have documents to prove my words..
Consumer complaint received 2016-03-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

I first contacted the hospital in reference to XXXX medical bills showing on my credit report. They would not give me any information about this debt, saying that all communication must go through the collection agency. They stated I must contact Syndicated Office Systems for any information. I called Syndicated Office Systems and inquired. They refused to give me any information about the debts, dates of treatment or anything else. They insisted that I must provide them a phone number, even after I advised them of my name and SSN. Their representative was rude and abusive and hung up on me when I advised him that I would not supply a telephone number.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.Account self lead/bank account XXXX XXXX XXXX XXXX Secured Card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
Jan 2023 116 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$120.00} {$140.00} {$170.00} this are all the remarks left which has been clearly been wrote of with taxes I asking to bureaus to please enforce the law and have my reports reflect accurate information or is completely breaking the law
Consumer complaint received 2016-03-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have a loan out with credit acceptation and I 'm being harass at XXXX to XXXX to XXXX at night i work XXXX and my boss told them she can not have personal phone calls unless their family issues .so the call any ways so he wrote them and had me signed it but we did n't make copies we just mail it off that no phone calls at work.now my loan is XXXX i been paying XXXX now a month came and i call to tell a manager i would be short i had XXXX he applied you have been in good status so theirs nothing he can do unless I 'm behind so i went paid the XXXX and i have all receipt so i stop paying XXXX and went back paying XXXX and now they telling me I 'm behind and adding late charges like no torrmow and calling all through the morning evening nights at work in bed in the shower I 'm getting a lady calling me threating me i got on a plan where i told them i will pay but i got laid off but i will pay them on the XXXX each month for {$410.00} and they get mad and angry so XXXX continue maying {$410.00} and this month on the XXXX i paid {$500.00} again and the bug me and bug me with private numbers and personal numbers and block numbers all times of mornings and evening and nights and recent today twice yesterday twice. Please help I 'm still paying just hard some time but I 'm still paying and now i have been ignore all calls but i pay faithful thanks, and on time i walk in all the time and i have all paper work.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/XXXX I disputed the account the account with hunter warfield on the grounds that the company has failed to notify me prior to reporting to the beauru. according to the FCRA the reporting agency has a responsibility to have a process to investigate not only the companies response buy mine as well.
Consumer complaint received 2024-10-03
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: ALLY FINANCIAL INC. (FL)

Hard inquiries on my credit report of accounts I do not own. I did not authorize any inquiries from these compnies. 
ALLYFINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL 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 ALLYFINANC XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (FL)

In 2009 we had lost our business and were with out jobs we had XXXX large cc bill with chase bank at that time they would settle for short money but we did not have any money for over 2 yrs we have pd the {$480.00} a month we recently called to see if we could settle and finally get this behind us we were told that the only settlement we could get would put a negative mark on our credit which we have worked hard to get it to a moderate XXXX when the credit cards were active they charged us 28 % interest rate we feel they have gotten there money over and over know they see we can pay and they do not want to work with us to settle for a lesser amount they had told us when we signed up they want to work with us but i see refusing to give us an appropriate pay off figure with the threat of harming our credit after it took us several years to get where we are to today is unethical
Consumer complaint received 2016-03-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BARCLAYS BANK DELAWARE (FL)

BARCLAYSBK ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

As on all XXXX of my credit bureaus XXXX has filed inaccurate information on me, they refuse to remove it but underBy its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. Two FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue XXXX for false inaccurate information. This needs to be done ASAP
Consumer complaint received 2024-11-24
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. (IL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX PA XXXX **RE XXXX DEMAND FOR IMMEDIATE DELETION OF ILLEGALLY REPORTED CHARGE- OFF** To whom it may concern, This letter is a formal demand for the immediate deletion of a negative Charge-off account that is being illegally reported on my credit file. I am well-versed in consumer law and the requirements for proper reporting, so i know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a 1099-C ( Cancellation of Debt ) form to legally consider the debt canceled or paid in full. 

You are reporting a charge-off without any evidence of a 1099-C being filed with the IRS, which deceptive , misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) .Under 15 USC 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to update information and report accurately. If your reporting these accounts as a charge-off, where is the proof that the debt was charged off or canceled? 

Additionally, by failing to remove or correct this inaccurate information after my multiple attempts to d dispute it, you are in violation of 15 USC 1681i for failing to conduct a reasonable investigation into my dispute. According to 15 USC 1681e ( b ), you are required to ensure maximum possible accuracy in my credit report, and right now, your falling short.

I DEMAND that you either : 1 : Present me with proof of the 1099-C issued by the creditor, along with the cancellation of debt, OR 2 : Permanently delete these charge-off accounts from my credit report IMMEDIATELY!

I am not interested in receiving anymore of your generic responses claiming this information was " Verified ''. If it was truly verified, you would have already provided me with the 1099-C documentation. Since you have not, I know for a fact you can not validate this account.

If this matter is not resolved IMMEDIATELY, i will escalate this case to the Consumer Financial Protection Bureau ( CFPB ) and take action against Transunion for your continued willful non-compliance under 15 USC 1681n, and 15 USC 1681o for negligence. Consider this your FINAL WARNING to correct your reporting, or i will pursue damages and any other legal remedies available to me under the FCRA. 

Delete the inaccurate charge-off Now or face the consequences of your negligence and blatant disregard of my rights. 

This is your last opportunity. Take action, or i will! 

Sincerely, XXXX XXXX Charge offs are listed below : 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
Consumer complaint received 2016-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

LVNV Collection Company has purchased from XXXX credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates XXXX was sent funds agreed to to settle the debt, and then sent the debt to LVNV who failed to notify or to confirm the debt in the Required time allowed by law. 
In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).
Consumer complaint received 2016-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

We paid our mortgage payment due on XXXX XXXX, 2016 as we always do ON TIME. 
Ditech Financial applied XXXX payments directly to Principal instead of the payment due. 
They have reported us as late to the Credit Bureau for the XXXX bill that was paid on time. We have called three times to get this rectified and they have not fixed the issue and reported us as delinquent on our credit reports.
Consumer complaint received 2016-03-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery associates contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.
Consumer complaint received 2016-03-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts.Furthermore, i accordance with the Federal Rules of Civil Procedure ; Rule # 1.130, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

I tried to get my free report from the XXXX credit bureau but XXXX failed and only XXXX could get me the score. Besides, XXXX XXXX, the application, failed to get me my score. Also, after having about 7 months of good history and a score of XXXX XXXX and something and without any issue in my history, I got rejected when I tried to apply for a XXXX credit card and XXXX credit card while my friends with 2 months of history and not as good as my score manage to have all of these credit cards easily which left me confused. Please help me finding out what is going on.
Consumer complaint received 2015-04-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Northern Alliance Management, LLC (MS)

I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (WI)

In my opinion U.S. Bancorp ( U.S. Bank National Association and U.S. Bank ) is forcing me to file a lawsuit ( not arbitration ) to prevent destruction or spoilage of evidence. This includes evidence including but not limited to breach of contract and disregard. 

I request U.S. Bank or U.S. Bank National Association preserve, copy and retain any and all recorded calls or information regarding my currently closed credit card ending in XXXX as factual evidence. If U.S. Bank prefers a signed handwritten letter mailed, please reply with the address. Nowhere in our written contract does it mention any fee that I have to pay to prevent U.S. Bank from spoiling or destroying factual evidence, nor did was it mentioned ever as a policy when relevant during my last complaint. Encouraging me to file legal action just to see my conversations that U.S. Bank only uses for " training purposes '' is perceived as intimidation in regards to potential future stress and large legal fees. 

Given how the very first CFPBXXXX reply I received from U.S. Bank mentioned how greatly you appreciate me as a customer, I know you were being honest and these requests will be no problem at all. U.S. Bank should have just contacted me. If you just acknowledged that the manager I spoke with in XXXX, 2015 accidentally provided misinformation about the credits on my account applying to my annual membership fee with no mention of a 90 day policy ; I 'd still be a Cardmember with no complaints. 

You will hear from me within the next six months. Do n't destroy any evidence, if the data is programmed to automatically overwrite data then I request a copy be made and saved immediately before that happens.