davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am writing to file a formal dispute regarding the inaccurate reporting of a charge-off account on my credit report by XXXX XXXX XXXX XXXX The account in question is referenced above. I believe that this reporting is in violation of 15 U.S.C. 1601, commonly known as the Truth in Lending Act ( TILA ).

Under the provisions of the Truth in Lending Act, creditors are required to ensure that all credit information provided to consumer reporting agencies is accurate, clear, and not misleading. The charge-off status reported by XXXX XXXX XXXX fails to meet these standards for the following reasons : 1. Inaccurate Information : The charge-off was incorrectly reported or may not have been fully validated by XXXX XXXX XXXX XXXX This reporting does not reflect the true nature of my account or the circumstances surrounding it. 
XXXX. Failure to Provide Clear Disclosures : XXXX XXXX XXXX may not have provided me with the necessary disclosures or information related to the account, as required under TILA. This lack of transparency has directly impacted the accuracy of the information reported to the credit bureaus. 
XXXX. Potential Violation of Fair Credit Reporting Practices : The continued reporting of this inaccurate charge-off has resulted in significant damage to my credit score and financial standing. This is a violation of my rights as a consumer under federal law. 

I have made every effort to resolve this matter directly with XXXX XXXX XXXX but have been unsuccessful in reaching a satisfactory resolution. I am now seeking the CFPBs assistance in ensuring that my credit report is corrected and that the charge-off is removed. 

I kindly request that the CFPB investigate this matter and work with XXXX XXXX XXXX to correct the inaccurate reporting on my credit file. 

Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have one Inquiry still showing on my credit report for XXXX that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXX XXXX bank was a settlement and should be removed from report XXXX, XXXX XXXX KOHL 'S was a settlement and should have been removed from report open in XXXX. 
XXXX was a settlement and should been removed from report open in XXXX. 
XXXX XXXX XXXX was a settlement and should be removed from my report XXXX, XXXX XXXX
Consumer complaint received 2016-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (CA)

I attend XXXX and graduated in XXXX, and like most people my age I live at the poverty level. XXXX assumed my loan from my old loan holder in XXXX of XXXX and have been nothing but a problem to work with. I have submitted paper work for a IBR with XXXX or Utah XXXX XXXX Assistance XXXX 3 times and they still have not applied it to my loan. Once I submitted it through the mail and they subsequently lost it. The next 2 times I submitted it through the electronic data base on studentloans.gov and I have given them 60 days to process the paper work. I asked for a deferment for XXXX XXXX, XXXX payment during this time to apply to the loans and was assured it would go through by a customer representative from XXXX. I opened a letter this morning, XXXX XXXX, XXXX from XXXX that shows I am 11 days delinquent for the loans that I was told I would have a deferment on.
Consumer complaint received 2023-02-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is attempting to collect a debt that is fraud/erroneous. I had an open account with this company but never charged services. 

I filed an official dispute and sent proof that I didn't have a debt/balance with the company, and since then ( over 90 days ) have chosen not to get back to me within that promised 90 day time slot. They are still truing to collect even thought the account is in dispute. Their dispute/fraud department will not take my calls and frequently hang up the phone when I call them. 

They are ruining my credit because i refused to make payment on money I never borrowed.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-10-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (TX)

The school I was attending XXXX College suddenly closed on XX/XX/2016. the school works with a private lender called XXXX . Since the school unexpectedly closed I was unable to finish the XXXX program that I enrolled in. This lender still wants me to make payments on a this loan for the full amount when I am no longer in school nor did I finish the program. The school was issued {$7700.00} and only {$5000.00} something dollars of this loan was added to my tuition the remaining balance of the stipend checks that I refused were supposed to be sent back to the lender. When I contacted the lender they are telling me they never received any funds back from XXXX College. I have called numerous times and spoken with numerous agents regarding this matter and the agents keep stating that they still need a response back from XXXX and someone will contact me at a later date. I feel as if the school has taken the remaining money and has no intentions on returning. I can not get answers from the school as there is no one working there anymore to get answers on this matter and XXXX is stating that they want the whole amount on this loan to be repaid. In my school handbook it states that if the school unexpectedly that my loans would be forgiven. If you can please look into this matter I would greatly appreciate it.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute concerning fraudulent accounts that have been incorrectly reported under my name. 

On XX/XX/year>, I sent Equifax a XXXX dispute letter, requesting the removal of several accounts that do not belong to me. These accounts were falsely attributed to my credit report, and I provided detailed information and documentation to support my claim of fraud. Despite the serious nature of this issue and the clear evidence provided, Equifax has not responded to any of my correspondence. 

As of today, more than XXXX  days have passed since I submitted my initial dispute, yet I have not received any acknowledgment or resolution from Equifax. This lack of response is not only unacceptable but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and respond to disputes in a timely manner. 

I kindly request that the CFPB intervene to ensure that Equifax fulfills its legal obligations to investigate and resolve my dispute promptly. The failure to act on this matter is causing significant distress and potential harm to my credit standing.
Consumer complaint received 2023-02-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NC)

I got treatment at XXXX XXXX last year ( XXXX ) XXXX. Each time I went, I paid and was told that was the full payment. Months later they are harassing me for anywhere between {$190.00} and $ XXXX, and it keeps changing. I need a letter telling them that I do not owe this bill, that they are to cease and desist, and clear my balance to XXXX or I will take further legal action, whatever that would be. I don't know. I can provide bills and dates but I'm not sure if I can find everything outside of from their website. LMK what I need. At one point they told me all I needed to do was call my insurance company, but I told them that they are overcharging because it was supposed to be paid in full at the time. Regardless, I have called their billing department numerous times and they have only called me back once and left a message. I have been unable to get in touch with them, and as I mentioned above, they keep changing the amount they say is due. I believe this is at best incompetence, at worst, they are scamming me with fraudulent medical billing. I'm not sure which, but the fact that I can not get in contact with billing is a bad look. 

I had my lawyer write them and their collection agency, Transworld Systems ( XXXX ) XXXX, to tell them this, and to stop contacting me, and they have contacted me at least 12-20 times since then through calls and letters. I am filing a complaint here and with the XXXX Attorney General about their deceptive business billing practices and collection practices. 

I am including the draft letter from my attorney ; I have just requested a copy of the final letter, which I will update here later. The changes are minimal and do not change any meaning of the letter. 

THE LETTER WAS SENT XX/XX/2022. AS OF THIS DATE, NEITHER I NOR MY ATTORNEYS HAVE RECEIVED A RESPONSE TO THIS LETTER. I HAVE ONLY RECEIVED MORE HARASSING CALLS AND LETTERS ABOUT THESE FRAUDULENT CHARGES.
Consumer complaint received 2023-02-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group (MO)

I was contacted twice in two day 's time by Superlative RM. At both points of contact, the agent and his superior were demeaning, derogatory, questioned my intent to resolve, and accused myself and my partner of having unreported funds with which we were capable of resolving the debt. They pushed unnecessarily for closure of the debt, while I insisted on a 7-day time frame with which to discuss financial means to close the account. 

During the initial call, my assigned agent became so insistent and derogatory that he worked himself in to a frenzy and begun yelling. His supervisor curbed his enthusiasm enough to not yell, but was almost as aggressive and demeaning. 

I ended the call with a request for electronic confirmation of agreement to settle at which point i would return a call to follow up... which was never sent. 

They called the following day asking why I hadn't reached out, with veiled accusation of avoiding the debt. Again, pushing for immediate settlement, and dismissing reasonable request from myself and my partner. 

If this is common practice for this company, i will avoid interaction with them at all cost.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (PA)

This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX This company, XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said There is not a 1099-C available her account has not been discharded '' XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication XXXX, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXXXXXX XXXX dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX XXXXXXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX STATEMENT SAYING THEY DO NOT HAVE A 1099C AND THIS ACCOUNT IS NOT CHARGED OFF
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX 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 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-17
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. (NY)

Date of last payment is incorrect And is not accurate between all 3 major credit bureaus. XXXX Account name : XXXX XXXX XXXX. 
Balance : {$25.00}
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Former : XXXX XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXXXXXX XXXX Employers : XXXX XXXX  Also XXXX As XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Also Known As : XXXX XXXX
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Principal Group, LLC (OK)

I continually get harrassing phone calls from a company called the NP group, and the phone numbers they call me from are phone number associated with companies who are on the FTC 's banned list. They claim that I took out a payday loan in 2011, which I did not. I have never taken out a payday loan in my life. They tell me that there are charges going to be filed against me and my husband for fraud and that if we do not pay them, they are going to have police officers show up at my house or my place of employment. They also call numerous family members and leave messages of this nature on their answering machines. I have several of the messages saved to my cellphone that they have left. I have asked them numerous times to stop contacting me by phone, and that if they believe it is truly a valid debt, to send me paperwork in the mail to substantiate that. That question only leads them to cuss me out and call me every name under the sun that I will not repeat.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

on XXXX XXXX the scammers first contacted me through XXXX from my best friend XXXX XXXX profile. After the scammers begin the texting through XXXX and that profile shows my friend XXXX XXXX information. 

This person XXXX XXXX with a telephone number XXXX, stole my best friend 's information and used her identity to commit fraud, and took {$380.00} from me. The XXXX account is enrolled as XXXX. The transfer was done through Citizens Bank mobile banking App. I opened a fraud claim # XXXX with the bank, but the bank, is ignoring my claim and done nothing. 

I was deceived because the scammers impersonated my friend through via text message, XXXX, and it was her profile and name that was being used- I thought that they were XXXX XXXX XXXX 
As result of this I lost {$380.00} and Citizens Bank is not helping me with the case I already opened. I contacted the bank several times requesting the refund from this scam.
Consumer complaint received 2024-08-31
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. (NY)

Under 15 USC 1681i ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I received a txt message from XXXX XXXX saying my account had a {$17.00} charge from XXXX and I needed to call a number. I called the number and the automated voice told me to put in my social security number, which I did and then hung up. I realized I didnt even have a XXXX XXXX account. I recently lost my debit card from my bank, XXXX XXXX so I was concerned I really had a fraud charge. I am worried for my credit because I gave my social security number.
Consumer complaint received 2024-08-31
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. (VA)

TransUnion File Number XXXX Date Issued : XX/XX/year> Investigation : VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

I have disputed XXXX XXXX XXXX collection agency on my TransUnion credit report. I do not have an account with this company and TransUnion continue to verify the information to be accurate without proper verification of this account. I have requested a verification letter from XXXX XXXX XXXX with my name, address, account number, payment history, signed agreement and I have yet to receive this information while the credit bureau failed to follow federal laws of FCRA and 15 USC 1681.
Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (WA)

I applied for a loan to consolidate my debt. After submitting all the documents they needed to start my application, I was told I was denied because they couldn't verify my identity by my Name, SSN, Address or Date of Birth. I find this hard to believe because I am already making monthly payments to this company for a previous loan and they had no problem verifying my identity for that loan.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.