davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX. Inaccurate and Unverifiable Information The credit reporting agencies have reported inaccurate and unverifiable information on my credit report, including late payments and negative accounts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit agencies be 100 % accurate and verifiable ( 15 U.S. Code 1681e ( b ) ). I demand the removal of all inaccurate and unverifiable information and request {$1000.00} per violation as damages for the harm caused by these errors. 

XXXX. Reporting of Child Support Payments The inclusion of child support payments on my credit report is a violation of my privacy rights under the Privacy Act of 1974 and the FCRA. Child support payments are not to be reported on credit reports as they do not constitute a permissible purpose under the FCRA ( 15 U.S. Code 1681b ). I request the immediate removal of all references to child support from my credit report. 

XXXX. Defamation of Character The reporting of inaccurate late payments and negative accounts, as well as the inclusion of child support, has caused significant harm to my reputation and financial standing. As a result of these errors, I have been denied credit and faced increased costs. This constitutes defamation of character, and I am seeking damages of {$1000.00} per violation, as provided under the FCRA ( 15 U.S. Code 1681n ). 

XXXX. Data Breach Concerns I am also concerned about potential data breaches that may have compromised my personal information, including my Social Security number. Specifically, I am aware of the XXXX XXXX XXXX and other recent breaches that may have exposed my personal information to unauthorized parties. I request that the CFPB investigate whether these breaches have contributed to the inaccurate reporting on my credit report and take appropriate action to protect my personal data. 


Charge-Offs as XXXX : XXXX IRS guidelines XXXX a charge-off is considered forgiven debt and is treated as income. As such, it should not be reported as a negative item on a credit report. The IRS requires that forgiven debt, such as charge-offs, be reported on a XXXX form as income, which is subject to taxation. 



XXXXXX/XX/XXXX account - Charge off XXXXXX/XX/XXXXCharge off XX/XX/XXXX - late payment XX/XX/XXXX- Charge off XX/XX/XXXXXXXX - Charge off
Consumer complaint received 2024-10-08
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. (AL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

A collection account is reporting to other businesses on my credit file as an open collection. The creditor has reported to Equifax that the account is closed, XXXX balance, and was included in a bankruptcy. XXXX correctly reports the account status as closed. Equifax is the only credit bureau reporting the status as an " open '' collection. I have disputed this info multiple times with Equifax and they are not resolving my issue. I have submitted a complaint to Consumer Protection ( Case # XXXX ) and it was not addressed either. I have called Equifax and they are not resolving my issue. They told me to contact the creditor. I contacted the creditor, XXXX XXXX , XXXX, and they told me they are reporting to Equifax and the other XXXX credit bureaus that this account is closed. I am attaching supporting documentation this time to my complaint from XXXX XXXX that keeps showing this collection as an open collection. I was recently denied credit by several companies for an auto loan because of this open collection reporting to them when they pulled my credit report as well. This collection account reporting as open instead of as closed is negatively impacting my credit score even though it is a XXXX balance. An open collection harms my credit score more than a closed collection. If this complaint is not resolved this time, I will be contacting an attorney for legal services. I have been trying to get this issue resolved via telephone, dispute process, complaint process, etc. for months.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PNC Bank N.A. (NJ)

I have been harrassed by XXXX collections agencies & a law firm, disputed the debt and nobody has proven that it is mine. It just gets passed by PNC Bank to another firm when one returns it. I have no dealings with PNC Bank whatsoever, and they have never contacted me directly or responded to my inquiry. For at least the last 12 months, a law firm is reporting an open collections sum on my credit report, which has prevented me from getting jobs in my chosen profession. In calls to them, they say they will send me substantiation of the debt, along with identity fraud paperwork since I 've told them it is not mine, and I have never received a single thing.
Consumer complaint received 2016-01-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

hi im XXXX XXXX my complaint is with green tree mortgage green tree mortgage does not want help me getting my home qualified for a loan modification my home goes on sale Monday XXXX/XXXX/XXXX they are telling me im 8 months behind and its not true there reason for my delinquency there not applying my payments to the my account they keep asking to speak to my husband XXXX XXXX who is also on the title but he passed away XX/XX/XXXX we were originally with XXXX but later was passed to green tree because I filled a law suit with XXXX XXXX XXXX they gave my husband a loan when they new he was placed on hospice care soon after his passing I later had to get a loan modification because I was upside down on my house and since green tree is now the lender they refuse to deal with me even when I sent more proof of my husband being passed away I got a lawyer and found out it was a scam I lost money on that if it was n't for my oldest son moving back in I would of lost everything my family and my house is all I got and there trying to take that from me I did find out there was some illegal stuff done in my contract from the bankruptcy attorney that I hired this week im going for chapter XXXX so I can get time to find help for a fair and new loan modification its a lot more I would speak to some who can help me im up in age and would like for my grand kids to have my home in the future please help me
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

I am an individual who has avoided debt up to this point in my life. I am now applying for a mortgage, ( starting about XX/XX/year> ) and all three credit bureas ( or at least whichever one the bank talks to ) insist that my credit score is frozen or suppressed. I would like to lodge this complaint against all three ( XXXX, Experian, and XXXX ), as I have attempted to call their customer service lines, only to politely be told to create an online account, or for the answering robots to break and stop registering my attempted responses to questions. 

I created an online account for XXXX around XX/XX/XXXX, and there was no indication of a freeze or hold on my account. I attempted to make an account with XXXX today, XX/XX/year>, and got an error that their servers could not be reached. See attached error screenshot. I feel as though I am running out of avenues to contact an employee or automated system that will help, and I am trying to close on a house XX/XX/XXXX, so we need the credit reports long before that for the bank.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC (CA)

this person XXXX XXXX called my cell phone on XXXX XXXX at XXXX and left a voicemal msg, then proceeded to call my place of employment. I asked him to send everything in writing and to refrain from calling my job. I hung the phone up and he proceeded to call 3-4 times back to back hollering and being verbally abusive.
Consumer complaint received 2024-10-08
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. (PA)

Account : XXXX XXXX  Account # : XXXX To Whom It May Concern, I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( XXXX ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). 

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : www.consumerfinance.gov/Complaint/ and www.ftccomplaintassistant.gov/ And https : XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
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. (MA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that XXXX. 
Accounts : Account numbers : Date Opened : US BANKRUPTCY CT 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 XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid ID, and a copy of signed self attestation form to prove I am human who have been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not ve

rify me or my account. Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX if the consumer has provided documentation of trafficking to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a XXXX XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. When I was XXXX  all of my personal belongings were stolen from me. As of recent I found out that my social security was floating on the XXXX market and used to obtain lines of credit that I did not authorize.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against XXXX for inaccurately reporting multiple collection entries related to a single debt from XXXX XXXX. The way both XXXX XXXX and XXXX have handled this situation is misleading and unfair. 
Details of the accounts : XXXX. Account Number : XXXX Balance : {$210.00} XXXX. Account Number : XXXX Balance : {$110.00} XXXX. Account Number : XXXX Balance : {$510.00} Complaint Details : 1. Unfair Billing and Reporting Practices : These debts should never have been sent to collections. I tried to resolve the issue with XXXX XXXX before it escalated, but they continued adding fees, to a point where I could no longer make the payment. 
2. Multiple Collection Entries : XXXX  has reported XXXX separate collection entries for what should be a single debt. This creates an inaccurate and unfair portrayal of my financial situation, which severely impacts my credit and future well being. 
3. Unjust Impact on Young Adults : It is deeply unfair that XXXX XXXX and XXXX  would handle these accounts this way, particularly since it disproportionately affects young adults like myself. The impact of these actions on credit scores can last for 7 years, making recovery extremely difficult. This is particularly troubling given the current national crisis around XXXX  loan debt. 

*** Despite my willingness to pay in full, XXXX  refuses to remove the accounts from my credit report. This practice unfairly penalizes individuals who are trying to settle their debts. I request the CFPB investigate this matter and ensure these duplicate entries are corrected. Collection agencies should also be willing to delete accounts once they are paid in full.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've sent numerous letters to XXXX, TRANSUNION AND XXXX to update an inaccurate and unverified late/missed payment on XX/XX/XXXX they have reporting and each time, they have disregarded. In each letter I requested them to show their investigation process, and they have never showed.I spoke with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and they stated that there is no late/missed payment on XX/XX/XXXX. XXXX, TRANSUNION AND XXXX are deliberately committing fraud by not removing the late payment. XXXX, TRANSUNION AND XXXX have intentionally not done investigations, have not provided the investigation process and not showed investigation process. I require XXXX, TRANSUNION AND XXXX remove the inaccurate and unverified late payment they are reporting.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
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. (TX)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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. (TN)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.