davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

I am writing to formally request the removal of an inaccurately reported charged-off account with Regional Acceptance Corporation XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Regional Acceptance Corporation XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I live in a sketchy neighborhood in XXXX XXXX. Apparently some people have been jumping postal workers for their master keys, so they could open mailboxes. 
I complained to my landlord for months about coming home multiple times to find my mailbox door wide open. We were one of the only houses on the block with an external mailbox. It took him over 6 months. Meantime I kept having important mail stolen. I had my mail redirected, but it was too late. Someone tried to open as many accounts as possible in XX/XX/XXXX. Im grateful that most companies said no due to how fishy it looked to them. But 2 said yes, one of them being Chase. 

I have called Chase numerous times to speak to their higher ups, since this case cant seem to be resolved. I called in XXXX when I was 1st made aware of the fraud. Reported the fraud, asked to have the account closed, to have proof of closure sent to me. They said they couldnt, but that they could send me a fraud kit. Which that they didnt even do. 

Filed a police report about my mailbox being broken into numerous times, and that leading to identity theft. 

In early XXXX when I realized it was still open I called back, spoke to management to figure out why it was still open. Even they couldnt figure it out. They had me on hold, spoke to several techs, escalated the situation, all to try to close the account. After about an hour, the manager reported the account closed. I again asked for proof to be emailed to me, and he refused. Stating hed have a fraud kit sent over.. Again, still no kit. And the account still looks to be open. 


This has horribly messed up my credit score. Ive been wanting to move out of my awful neighborhood, but Im stuck until my credit score goes back to where it once was
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX Dear LVNV, Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide clear and conspicuous disclosure of the debt - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate and complete information about the debt - 12 CFR 1006.34 ( d ) : Failure to provide proper validation of the debt - 15 USC 1681-S ( 2 ) ( 7 ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectors I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

I want this dept removed. The insurance paid this debt. The situation is as the insurance initially denied the claim and then later processed the claim and it was paid in full. The EOB shows the company XXXX XXXX was paid and shows my portion which had previously been paid. 
I XXXX refuses to remove this negative collection from my account even though I have provided proof the company was paid.
Consumer complaint received 2024-07-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

Its a property management condo apartments and I went to rent there with my family and told them the reason I was trying to move there because theres mold in the previous premise I was living and I proof that legally so I could move. They told me not to worry they would have a good apartment and when it gets a few days of moving the apartment was in bad condition so I did not trust them anymore! They told me they were going to find another apartment for me but it was on the second floor and then coming from This horrible experience with my family and XXXX kids I decided to not rent there and I didnt not even signed a rental contract! Now they want to charge me certain amount and keep putting me in collection for no reason, XXXX months has passed, last time I dispute with XXXX XXXX. And it was take out of my credit report and now they come again. Please help me! Its absurd this situation.
Consumer complaint received 2024-07-20
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)

To Whom It May Concern, I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

XXXX 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) XXXX1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (FL)

In XXXX of XXXX  a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report I observed XXXX XXXX Credit Card has not reported this credit card on my daughters credit report to Transuion or XXXX. This card is only showing to her XXXX report. Its showing on all three of my credit reports with Transunion, XXXX  and XXXX. I am requesting for this credit card by XXXX XXXX, to be reported on all 3 of her credit reports as wells. Attached are documents showing it is only being reported to one credit bureau and thats XXXX.
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of debt bondage, a form of human trafficking where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (AL)

there is a fraudulent inquiry in my report. you are violating my right of not reporting correctly per FCRA. remove it now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THIS LATEPAYMENT ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2024 Money in the amount of {$330.00} was sent from my chase bank to a person I do not know using XXXX. I immediately contact chase bank and within XXXX minute i spoke to a banking associate and informed them that fraud has been committed since this individual accepted funds be it by error or criminal act from my account with out my my knowledge or authorization after a series 's of questions i contact the number associated with the XXXX  tranfer. The individual denied knowing me denied the tranfer and denied having a XXXX  acount. i provided chase with text messages conversation and phone bill receipt with date and time. Chase Investigated and denied my claim they said I authorized payment from bank XXXX account. chase Investigation Is nothing but a way to protect their bottom line they made no effort in contacting the individual or report it to authority.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have been trying to access my credit report account from XXXX and I sent in information to prove my identity. I still can't get into the account! There is information that doesn't belong on my credit report. I received my report from the annual reporting website. I also asked how was some of the information that is listed, was received and was told by another party. My information shouldn't be given out. I am a victim of XXXX XXXXXXXX and I reached out to them and asked for my information to be frozen and to put an identity theft alert on there. There are also accounts and inquires that I didn't make. I am over exhausted trying to get this fixed.
Consumer complaint received 2024-07-19
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. (SC)

unfortunately, I am a victim of human XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

On XX/XX/XXXX, I purchased a service called XXXX XXXX for a monthly fee of {$49.00}. 
I turned auto renewal off. 

The charge : on XX/XX/XXXX, the account was renewed at {$49.00}. The charge I am attempting to dispute is the XX/XX/XXXX charge. The charge went through XXXX XXXX 's payment processor XXXX XXXX XXXX. I attempted to contact both XXXX XXXX  and XXXX. XXXX XXXX  did not respond to communication attempts. XXXX  stated that it was XXXX XXXX 's problem and would not assist despite the charge being to XXXX XXXX XXXX. 

The issue with Citi ( chief complaint ) I started a dispute with Citi around the unauthorized charge. At no point did Citi reach out for comment or accept any documentation about the unauthorized charge. After about 4 weeks, Citi closed the dispute. At no point did Citi ask for any supporting documentation. Citi did not provide a way to appeal the dispute. 

I attempted to contact customer support. Customer support said they would not be able to assist me and directed me to their " fruad department '' at XXXX XXXX XXXX XXXX. However, when attempting to reach out to this number it rings and eventually I get a line disconnected message. 

Citi does not appear to be doing their diligence around helping me with an unauthorized charge and is not providing ways for me to be able to contact them for help.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc. ()

Just yesterday i received a letter that stated : " We regret to inform you that, due to recent changes in how we determine account eligibility, we are no longer able to support accounts for businesses with associated addresses located in these countries ( link to mercury website ). As a result, we will be closing the Mercury account for Company Name on XX/XX/year>. ''
Consumer complaint received 2019-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (RI)

I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX  XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and XXXX of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of XXXX of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 

I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-20
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. (TX)

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 XXXX XXXX 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 2024-07-19
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. (TN)

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 XXXX XXXX debt bondage, which falls under trafficking according to XXXX-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 2024-07-19
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. (CA)

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 XXXX XXXX debt bondage, which falls under trafficking according to XXXX-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 XXXX business days, pursuant to section XXXX 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 ).