davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (GA)

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of charged-off accounts on my credit report and the failure to issue a 1099-C form, as required by law. 

Account Information : XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$1000.00} Credit Limit : {$800.00} ( Account utilization 125 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$750.00} Credit Limit : {$500.00} ( Account utilization 150 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  XXXX Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$3700.00} Credit Limit : {$3000.00} ( Account utilization 123 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' Violation of FCRA ( Section 1681 ( e ) ( b ) ) : Under the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and up-to-date. All three accounts listed above have been charged off and are reported inaccurately, negatively affecting my credit score and financial standing. Additionally, despite the charge-offs, I was never provided with 1099-C forms, which are required when a creditor cancels a debt of {$600.00} or more.

Details of Violations : 1. Failure to Remove Charged-Off Accounts : The accounts were closed earlier in 2024, yet they continue to be reported inaccurately, affecting my credit utilization and overall credit health. 

2. Failure to Provide 1099-C Forms : Neither XXXX XXXX, XXXX XXXX, nor XXXX XXXX has issued a 1099-C form for the canceled debts. This omission violates IRS guidelines and affects my tax reporting obligations.

Given these issues, I kindly request the following actions : 1. Immediate Removal of Charged-Off Accounts : The accounts should be removed from my credit report due to the failure to meet FCRA accuracy requirements.

2. Issuance of 1099-C Forms : I request that XXXX XXXX, XXXX XXXX, and XXXX  XXXX issue the necessary 1099-C forms for the charged-off amounts as soon as possible.

3. Correction of Credit Report : Please ensure that my credit report reflects accurate information regarding these accounts. 

I trust that you will investigate this matter promptly and take the appropriate corrective actions. Please notify me of the status of my complaint and the steps taken to resolve these inaccuracies. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I previously filed for some accounts to be disputed. I am requesting the disputes for the accounts listed below be halted immediately as well as I am requesting that the remarks be removed on these accounts as well. - XX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-30
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. (GA)

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 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2023, I placed an order for one piece of furniture with walmart.com. I used my XXXX sponsored Capital One credit card. For many years I have a perfect history of payments and have had no issues with unauthorized. Within a minute my order was cancelled. In an email, I was advised that the order was cancelled " because it was flagged by our credit and fraud team. '' No explanation was given, despite my online request for same. Furthermore, a " hold '' for " XXXX business days '' - XXXX weeks- was placed on my card by the " bank '' - obviously Capital One. These XXXX actions were apparently done not by a human person, but by an algorithm, since they were done in seconds, not enough time for a human to read or research or even compose the email message. Despite XXXX and Capital One never ever having contacted me about any issue of fraud throughout the many years of my account, Capital One is illegally suppressing my consumer rights.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
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 XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

In XX/XX/XXXX, I used my XXXX XXXX XXXX card to make a {$19.00} purchase. The {$19.00} balance was paid on time, in full and I received confirmation on XX/XX/XXXX from XXXXXXXX XXXX the cards issuer. 

In XX/XX/XXXX, the card issuer switched from XXXX to Barclays. Barclays automatically issued me a new XXXX XXXX XXXX, which I did NOT activate. 

On XX/XX/XXXX, I received a past due notice from Barclays bank indicating a {$25.00} balance event though I had never used the card. 

Notification of a negative event on my credit report prompted me to follow up with Barclay 's bank on XX/XX/XXXX. By this time, the credit card balance was {$52.00}. I called Barclay 's bank to inquire about the charge, have the charge and all fees removed and request that the bank remove the negative events from my credit report. The Barclays representative confirmed that I did not make a {$25.00} purchase, but " it appears '' that when the card issuer switched from XXXX to Barclays my {$19.00} payment was returned and I was then charged {$25.00}. ( I checked my accounts and do not have record of {$19.00} being returned ). The customer service representative was unable to waive the late fee that brought the balance up to {$52.00} and submitted it to her supervisor for approval. She said that Barclays would not be able to help to correct the negative events on my credit reports. 

Even though the {$52.00} balance was not due until XX/XX/XXXX, I paid it on the phone with the representative, in order to avoid additional fees and negative events on my credit report. However, on XX/XX/XXXX, I received notification that my credit reports were showing another negative event. Barclay 's bank had reported the {$52.00} payment " late '' and my score went down another XXXX points.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-30
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. (NC)

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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX  - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Consumer complaint received 2022-11-27
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. (VA)

The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges XXXX, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}
Consumer complaint received 2024-09-30
Product: Credit reporting 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)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have an open account with Sensible Auto which is current. As of XXXX of XXXX they started reporting my account closed and reported in a bankruptcy. I filed a bankruptcy in XXXX of XXXX. My case was closed XXXX of XXXX. I purchased a car jointly with my husband in XXXX of XXXX. The account has been reporting on my account correctly for XXXX  years and now it's saying closed due to bankruptcy but it's open and current on my husband credit report. I have reached out to XXXX XXXX last month and the credit bureaus about the issue. A supervisor at XXXX XXXX stated that it will be corrected on my XXXX report but it has not updated. I am trying to purchase a home and this issue is creating a major problem for me. Please help me
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 counselor XXXX XXXX XXXX Housing Counseling Agency XXXX provided documents for loan modification as of XX/XX/2019 neither Wells Fargo Bank has approved or denied. Wells Fargo Bank so far has not requested any additional documents. Around XX/XX/XXXX we had phone conversation with the manager named XXXX XXXX form HUD counselors office. He was supposed to get back with HUD counselor but has not done that so far. I received two docs stating account is past due and need to pay before other proceedings take place. I called W.F.B staff personnel on XX/XX/19 XXXX id # XXXX hang up phone on me. Attorney of records XXXX XXXX XXXX and all and entire information has come from him. But W.F.B is also violation litigation right by communicating with and than they have attorney on records. If W.F.B needs not to communicate with attorney they should notify in writing no attorney is representing. Other wise its harassment and contempt of court and I will cease providing documents to attorney of records and inform this to court. XX/XX/2019 date of filing