davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (MA)

I had an account from Kay Jewlers a few years back where i owed about XXXX from the credit card. I have moved quite a few times and they seemed to have an old address. I understood this delinquent account was pushed to collections and I intended to pay however just either couldn't afford or forgotten about debt. Well within the last year i have been trying to track down this account and with no luck even using credit karma for what business could own debt now, i fell short. Well today on date XXXX i first received a private call from someone saying their from XXXX ... XXXX XXXX   XXXX. Saying that have a document for me and have been unable to contact me. I tried to ask questions and came ip short either decent answers. I was told to contact the number XXXX. Later on i called and they claim to be a law firm suing me om behalf of this debt. But if i paid now over phone we can avoid all that they told me. I went into prying for proof of account and more details of company. They said they can only send me a statement from Kay Jewlers. To which they did. An old bill but nothing with their company title. They claimed to be called XXXX XXXX XXXX based in CA. I tried XXXX them or the number i called them on and came up short. When i tried to reply to their email they sent me the old bill with it keeps bouncing back. They said we can settle debt if oaid by tomorrow over phone XXXX only to avoid lawsuit. I asked names of each representative i spoke. With but I'm not sure if this is even a real company. I also asked them why are they threatening me with lawsuit or calling while i am located in MA because theres been a law place eith covid19 pandemic to stop collecting calls.
Consumer complaint received 2020-04-13
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. (IL)

XXXX XXXX XXXX reporting erroneous payment history. In XXXX of this year I was put on a deferred payment. I have 3 accounts with XXXX XXXX car loan and 2 credit cards. One of my credit cards I had to make a {$50.00} on XX/XX/20 and the other 2 loan payments i n't due until XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX just alerted me that there's no payment history for my XXXX XXXX  accounts and my Equifax score dropped by 4 points. I can't have any late payments appearing because eventually I'm trying to qualify for a house
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

The Equifax company refused to provide me my free credit report even after verifying all my information over the phone. Also, refused to provide me means to submit requested additional documentation online forcing me to ignore the XXXX County stay home order by physically leaving my house to mail documentation. Additionally, XXXX refused to open a checking account because inaccurate information that Equifax has. I was unable to dispute any information with Equifax since I am unable to obtain information from them and I do not know what to dispute. The Eqifax only solution is to resolve the issue via US postal mail which I think could take months preventing me to take care of my basic financial need during this difficult time. 

Because of this issue I am unable to open a checking account in order take care of my basic financial needs.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Hello and good day, you are in violation of my right to privacy, I never gave permission for this information to be reported on my credit report and you are obviously breaching it which is really insulting and a defamation of my character. This is hurting my credit score and impacting my life negatively as my new credit applications are being denied due to your negligence.
Consumer complaint received 2020-04-06
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. (FL)

This is a formal complaint against Equifax Information Services. I am making this complaint through the CFPB, I have noticed that there are many irregularaties with my credit report with Equifax, and many variations and incorrect information with my personal information. I have requested for about 90 dye for the information about these accounts.I have noticed that weekly, that every time I make a call to try to dispute these accounts there is different information every week. This situation has me very stressed and confused, I don't understand why there are these irregularities and variations with my credit report. I want to be very specific with this complaint because I am going to name all the documents that I am going to send and attached so what has happened before doesn't happen again, where only half of documents arrive, they may come incomplete. The documents that I am sending is to report that I am a victim of Identity theft, accounts have been opened under my name without my permission, with addresses that I have never lived in or recognize, phone numbers that never belonged to me, etc. The names and number of the accounts every week change every week and I don't understand why. That is why I am making this complaint with CFPB and send the documents through here so there is a third party as a mediator to make sure everything is up to standard. They are going against the law under FCRA 611 ( a ) to request a complete description of all the methods used to investigate my dispute. I want to make sure that the personnel of Equifax has been friendly and helpful with everything but I don't understand why there is such a mix up with the information, maybe there is a miscommunication, I had to make this complaint because these things don't make sense. As well as to avoid the loss any documents the, I have sent, this has happening since the first week of XX/XX/2019. I am very stressed with this irregular situation in my credit report with Equifax, a situation that does not happen to me with XXXX XXXX XXXX XXXX  
I Make this complaint through this sway because it is the only way make sense of all the irregularity in my Credit Report with Equifax it blows my mind to know that every phone call make to Equifax every Week give me credit information different, it is impossible to be truthful with them, every day my credit report accounts that change the list of accounts or their status from one day to the next worst thing is that all the documents I send certified mail, don't arrive or if they supposedly arrive they arrive incomplete, which seems very strange to me because this happens????? 



DOCUMENTS ATTACHED : XXXX ) LETTERS DISPUTING ACCOUNTS XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT FTC XXXX ) DRIVER LICENSE XXXX ) SSN XXXX ) PASSPORT XXXX ) COPY OF 605 ( B )
Consumer complaint received 2024-10-29
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. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation (IN)

I have tried paying this account ever since I first opened it in XXXX of 2018. Every time I have tried to pay it online, I end up getting an email saying oops something went wrong and Avant reverses the payment I tried to make. I have contacted Avant several times at the beginning and they told me they have no idea why they couldnt process the payment and to contact my bank. My bank informs me there has never been a request for payment from Avant. After arguing with Avant for some time, they came up with the excuse that I have a stop payment in place preventing them from drawing funds. I contacted my bank and they told me this is not the case and theres no stop payment in place and they have NEVER received a request for payment. Avant refuses to accept fault and has ruined my credit over it. I have even sent them the chat messages between my bank and I. They refuse to accept any amount less than the balance with all sorts of frivolous fees theyve added on due to them refusing to accept my payment. I have tried for some time to resolve this with them and it seems as if theyre practicing fraudulent lending by refusing to accept my payment ( all the way from the begginning of me opening the account ) and racking on late fees they refuse to remove as well. This shouldve never been reported late to the credit bureaus and wouldnt have been delinquent if Avant couldve figured out their issues, accepted fault, and stopped trying to blame it on everybody else. This is by far the absolute worst company Ive ever dealt with.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (AL)

XXXX is reporting inaccuracies to my consumer report. My address is inaccurate also. Charge Off Accounts is a forgiven debt.

Income can not be reported on my consumer report. 15 USC 1681 ( e ) B States ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX. XXXX XXXX XXXX Account Ending in ... XXXX ) Account XXXXtatus : Reported as charged-off with a balance of {$340.00}.

Issue : I have not received a 1099-C form from this creditor for the cancelled debt. According to the IRS guidelines, a 1099-C should be issued for any debt over {$600.00} that has been canceled, discharged, or forgiven. The absence of this form has led to potential tax implications that I am not prepared to address.

Request : I request that you verify with the creditor that the 1099-C form has been issued for this account and provide me with proof that it was sent to my correct address.

2. Syncb / Care Credit ( Account Ending in ... 9680 ) Account Status : Reported as charged-off with a balance of {$1300.00}.

Issue : Like the account above, I have not received a 1099-C form for this account despite the debt being forgiven. The creditor has violated the IRS reporting requirements by failing to issue the form.

Request : Please confirm with the creditor that the 1099-C form was issued and provide documentation of this form being sent to me. 

XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2600.00}. 
Issue : No 1099-C form has been issued for the canceled debt, which violates IRS regulations .

Request : I request confirmation that a 1099-C form was issued and sent to my correct address by this creditor. If not, this failure to report is a violation of both tax law and my rights under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2300.00}. 
Issue : There is no record of the required 1099-C form for this debt cancellation. This oversight has resulted in an inaccurate representation of my financial status.

Request : Please provide evidence that the 1099-C form was issued for this debt or request that the creditor issue the form immediately.
Consumer complaint received 2024-10-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN- XXXX Phone - XXXX DOB- XX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

I recently found an escrow refund check from Ditech Financial LLC ( loan number XXXX ). The check is from XX/XX/XXXX. My bank would not accept the check ( check has no expiration date but my bank said it is stale ). I called Ditech on XX/XX/XXXX and customer service rep said they would reissue. Customer service rep said I should get check in 10 business days. I waited 15 days and no new check. I called back and Ditechs number is no longer working. I found a different number and called and twice they said they would look in to the check and get back to me but they didnt. The check is for {$1100.00} so it is not a small amount of money. Is my money gone?
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Captial One is reporting a late for XX/XX/19. I have never been late on this account. This is being reported in error. I have had this account for a very long time and I have never had problems with this account.This is affecting my credit and it needs to be removed as soon as possible. This is an error on their end.
Consumer complaint received 2020-03-30
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-03-30
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. (TX)

I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( XXXX, Transunion and XXXX ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (VA)

This is a follow-up complaint, which was closed by the CFPB after TD Bank 's response. However, in the response, TD Bank provided invalid reasons, citing a condition that did not exist at the time that I opened my account. The stated condition also did not present in the conditions for the eligibility for preferred rate at 2.5 percent, which was attached to TB Bank 's response to my previous complaint ( # XXXX XXXX. 

This simply shows that TD Bank does not care about adhering to the best standards and continues to deny its wrongdoing. 

If TD Bank can not point to the stated condition mentioned in the response in the letter in its attached conditions of the account, it should make a compensation for what I asked for.
Consumer complaint received 2020-03-30
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. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX