davidheineman/consumer-finance-complaints-large huggingface dataset:
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: LJ Ross Associates (MD)

I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines . The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal Basis for Complaint Violation of IRC 6050P- The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditor 's adherence to federal law.

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.
Consumer complaint received 2024-11-12
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. (GA)

After reviewing my credit report on XX/XX/XXXX I notice there are a serval accounts reporting inaccurate information in violation of my consumer rights 15 USC 1681 ( e ) B. The following accounts and inquiries are reporting that I didn't not authorize or never did business with. The accounts are reporting different open dates, I am XXXX human I can not open the same exact accounts with matching account numbers on different dates. The following accounts are as followed : XXXX {$580.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  shows no balance but its reporting negative currently date reporting XX/XX/XXXX ablty recvry {$1400.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX {$870.00} date reporting XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (HI)

CREDIT CONTROL , LLC is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with CREDIT CONTROL , LLC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. CREDIT CONTROL , LLC is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PayTomorrow, LLC (IL)

I keep getting phone calls from Paid Tomorrow ( XXXX ) XXXX and informing them that the person they asking to speak to does not own this phone number, that they have the wrong number. They keep saying sorry and they gon remove the phone number but they keep calling several times every day.
Consumer complaint received 2024-11-12
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-11-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION (WI)

I am writing to address an issue regarding a recent charge-off on my account. The creditor has classified this debt as a charge-off and reported it as a profit loss. They were supposed to provide me with a 1099-C form so that I can report this as income on my tax return. However, they are still reporting the outstanding balance on my credit report, despite having taken a tax deduction for this debt. 


XXXX XXXX XXXX Closed/Charged off as bad debt Profit and loss write-off XXXX. XXXXXXXX XXXX XXXX {$24000.00} and {$16000.00} also {$32000.00}
Consumer complaint received 2024-11-12
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. (VA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX. I put {$2200.00} down on the car and financed the additional {$8000.00} with XXXX XXXX XXXX days later I left for Tennessee to take care of my father who had COVID 19. I got to Arizona the check engine light come on along with oil light I checked the fluids and there was no oil in the car. When I left California a few hours priorAll the fluids are full including the oil.I put 4 quarts of oil in it and by the time I got to Texas it was empty again.I took it to a mechanic who informed me that I've been sold a car with a blown engine.I called the dealer and informed him of what it happenedAnd of course he told me he didn't know anything was wrong with the car.I told him I was not making a payment on the car until we either we renegotiated the price of it or until he put a new engine in it.there are laws in place to keep dealers I'm telling people bad cars call the auto fraud.I informed the finance company of what was going on and the finance company tried to pressure me to make the first payment but I had been advised against doing so until a resolve was made as to what was going to happen we can get the price of the car or an engine being put in it.During the time I was negotiating with the dealer XXXX XXXX came and took the car repossessed it when it wasn't even 30 days late yet and resolved had not been made between me and the Dealer.So basically the sale of the car was illegal to begin with because you can not sell somebody a car with that kind of damage to it and not let them know.And before something could even be worked out the finance company came and repossessed it.As well as starring my TRW with a repossession for a car that was sold to me illegally.The dealer attempted to make things somewhat right with me by offering to give me back {$1500.00} of the {$2200.00} XXXX put down on the car and told me that he was taking a loss on the car anyways and that he felt that this. was fairSo if the dealer took the loss on the car then why is XXXX XXXX still trying to collect on itAnd why do I have a repossession on my trwThrough a car that was illegal to sell me in the first place.So now I'm having to file in small claims court to get my money back for the down payment and I want this repossession removed from my credit.They 're trying to collect on loan that isn't even valid anymore anyways since the dealer took the loss on the car.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX, I was alerted a credit card application was filed. Received a letter on XX/XX/21 stating my application for Chase Saphire card was denied due to my history. I did not apply for this card. 
Also on XXXX, I received 5 letters from XXXX bank stating someone opened and checking and savings account in my name. I did not or give anyone permission to do this. 

On XXXX, I did file a police report on these.
Consumer complaint received 2024-11-12
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)

I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit report. These accounts are not mine, and I believe my personal information has been compromised. 

Below are the details of the accounts in question : 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 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 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 XXXX XXXX XXXX  I have never opened any of these accounts, and I believe they are the result of identity theft or fraud. I have already contacted the respective creditors and credit reporting agencies to report the fraud, but I am seeking your assistance in resolving this issue and ensuring that these fraudulent accounts are removed from my credit report. 

Actions I have already taken : I have filed a fraud report with all major credit bureaus ( XXXX, XXXX, and TransUnion ). 
I have placed a fraud alert on my credit file. 
I have requested copies of my credit report to identify any additional fraudulent accounts. 
I have contacted the relevant creditors to dispute these accounts. 
I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2021-11-09
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. (FL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored about my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causing me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: USA Service Finance LLC (HI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : USA SERVICE FINANCE, XXXX Balance {$730.00}
Consumer complaint received 2021-11-09
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

On XX/XX/21 an email account of mine was hacked and used to access my investment account at Coinbase and create a new bank account with XXXX XXXX XXXX. The hacker liquidated cryptocurrency assets held in my Coinbase account, transferred cash to the XXXX XXXX XXXX bank account, and used my linked brokerage checking with XXXX to purchase more cryptocurrency, sell, and transfer a portion of the liquidation proceeds to the XXXX XXXX XXXX account. I informed Coinbase and XXXX of the unauthorized transactions within hours of them occurring, but they were no action was taken by either company. My Coinbase account utilized 2 Factor Authentication for security and Coinbase does not allow immediate withdrawals of cash contributions, but both Coinbases authentication protocols and transfer procedures were bypassed. I have written to Coinbase via their web portal for remediation, but they have not acknowledged any fraudulent activity and have not indicated they are working to recover my assets in their responses. I have contacted XXXX XXXX XXXX for remediation but they have not returned correspondence or provided me information on where cash was transferred, only stating that they closed the unauthorized accounts which received cash stolen. XXXX XXXX XXXX XXXX 's banking functions are conducted through XXXX XXXX Bank. XXXX 's banking functions are conducted through XXXX XXXX, XXXX.
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: Conn's, Inc. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, CONNS, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX continues to falsely report information that they claim to have verified on complaint XXXX I have made several requests via certified mail and in writing and they have not provided me with any information. They sent me a letter dated, XX/XX/year> saying only that they verified their information but did not provide any documents. I have told the below three items, is not my debt and requested the following. 

1. Collection Wakefield and Associates- not my debt. 
XXXX. XXXX XXXX XXXX Illinois XXXX XXXX- not my case XXXX. XXXX XXXX XXXX I have asked XXXX XXXX to provide me with proof of the debt 1. signed contract 2. copy of my picture ID with said contract.

3. Itemized bill, paperwork, 4. who they verified this debt with 5. The persons name and phone number 6. Provide the date and time the person verified this information. 

XXXX XXXX is maliciously saying that this information is verified but they have not provided any documentation to me as I have requested many times. They must to provide this information immediately, they have been saying the same thing since last year and have not provided any documents. They are causing me severe emotional distress.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (FL)

I am reaching out to your agency regarding the persistent inaccuracies on my credit report. Despite multiple attempts to resolve these issues and providing substantial evidence of discrepancies and inconsistencies in the reported accounts, you continue to assert the accuracy of your records.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Account XXXX : XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks.
Consumer complaint received 2024-10-06
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. (NC)

Additionally, upon your having corrected my credit report, please provide a copy of the same to all creditors who have received my report within the last six months. Please also provide the corrected report to all requestors who received my report for employment purposes within the past 2 years as required by Section 1681i ( d ), which requires you to, " furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ''