davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

Synchrony Networks {$5300.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibility to report Accurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Under 15 U.S. Code 1681b, I have never given consent to report any OF THE FOLLOWING accounts on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX, AND XXXX did not have my consent to report any of the following items above. It constitutes an not having permissible purpose. No consent is identy theft!!! This law states that whoever knowingly transfers, possesses, oruses, without lawful authority, ameans of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term or imprisinmentof XXXX years. I request a copy of the SSA 89 or SSA 3288 advising that if they were going to pull my credit they would have to have all these documents signed.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

In accordance with the Gramm Leach Bailey Act, Title V, subtitle A of this act, 15 U.S.C. 6801 requires the FTC, along with federal banking agencies and other regulators, to issue regulations that financial institutions protect the privacy of consumers personal financial information. Such institutions much develop and give notice of their privacy policies to their own customers at least annually, and before disclosing any consumers personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to opt out from such disclosure. Under the Dodd-Frank Act this rule making authority transferred to the Bureau of Consumer Financial Protection . The act also limits the sharing of account number information for marketing purposes. In accordance with the Fair Credit Reporting Act, Prestige Financial Services has violated my rights 15 U.S.C. 1681b ( a ) ( 2 ) [ ( 15 U.S.C. 1681 section 602 A ) ], states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish data of an account with my written instructions. The company is falsely accusing me of owing them {$18000.00} for collateral they possessed and resold. In direct violation to 15 U.S.C. 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquires and credit card accounts are fraudulent and must be removed from my credit report immediately.
Consumer complaint received 2023-03-15
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: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX The above companies are reporting false information about me in a negative way on my credit report. I am trying to buy a house and the information on my report is defamation of my character and my livelihood. I have disputed these actions with no results. According to the fair credit reporting act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

These accounts do not belong to me, my information has been compromised I did not open these accounts XXXX XXXX. SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-06-14
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. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing to dispute an item on my credit report issued by XXXX XXXX XXXX Upon reviewing my credit report, I noticed an entry that I believe to be inaccurate and damaging to my creditworthiness. The details of the disputed item are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Remitly, Inc. (KY)

This complaint is in 2 parts. 

First, Remitly has been wrongfully charging my business debit card ending XXXX as a credit card which has incurred 3 % of the total transfer cost since I joined Remitly from XX/XX/2024 to date. 

On XX/XX/2024 I confronted Remitly regarding the wrongful debit since my card was not a credit card and should not be treated as such. The representative said the 3 % was not going to Remitly and it was my bank charging 3 %. I explained that I have another business debit card on file ending XXXX and this card was not being charge a 3 % credit card fee. To get hardcopy proof that my card was not a credit card and my bank was not embezzling this supposed 3 % because we would have notice these credit card fees on our statements. The representative then provided to emails to submit our complaint to XXXX and XXXX. 

XX/XX/2024, our bank responded stating that it was not a card processor and confirmed it was not receiving said 3 % credit card fees from all Remitly transaction or any financial service. Our bank also confirmed our card is in fact a debit card and not a credit card with documentation. 

XX/XX/2024, I submitted all documents to both email from the Remitly representative ( XXXX and XXXX ). Today XX/XX/2024 we still havent received any feedback from Remitly forcing legal actions as advised from our attorneys. 

Secondly, on XX/XX/2024, to avoid 3 % credit card fees on my most used debit card while we disputed why Remitly was treating our debit card as a credit card, I decided to use my personal XXXX XXXX XXXX XXXX account to cover emergency expense in the amount of {$270.00}. Right after I competed the transaction, it failed. I closed the app and tried signing and received a notice stating my account was suspended. I called Remitly to get a resolution and the representative asked me to provide an ID and bank statement for the savings account for review before the account will be opened. I submitted requested documents same day. However, it took nearly 2 weeks before my account was reinstated. The irritating part was I had to be calling Remitly through out until one representative informed me that my documents were verified and went ahead to reinstate my account OVER THE PHONE. No emails, no phone calls, no notice, just absolutely nothing from Remitly. 

The next time Remitly decides to wrongfully suspends my account especially when I needed to make an emergency transaction, it will result in a lawsuit for damages incurred. If Remitly suspects I dont own any bank account I have on file, said bank account or payment method should be disputed and not suspend the whole account since I have other payment options in my account. Remitly might not think it a big deal suspending my account however this hurtful and stressful act from Remitly will not be tolerated since I havent done anything wrong.
Consumer complaint received 2024-07-04
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/year>, I received XXXX missed phone calls from XXXX, which is Suncoast Credit Union 's credit card fraud number. The representative on the phone claimed to be from Suncoast Credit Union and asked about XXXX charges of {$850.00} and one of {$530.00}, which were unauthorized transactions. The person said they disputed the charges. On XX/XX/year>, the XXXX charges were not disputed and the {$4700.00} was stolen out of my account by the scammer. I did not realize I was being scammed the night before. The charges had a location of XXXX XXXX, CA and I live in Florida where I had my card with me and rarely use XXXX. I reviewed my XXXX purchase history and none of those XXXX charges are listed on my purchase history. On XX/XX/year>, I reported this to a REAL representative at Suncoast Credit Union and all the charges were disputed and reported to risk management for a claim and investigation. I was reissued new bank accounts, account numbers, debit and credit card, and had my credit score frozen with all three credit bureaus. My bank denied my claim of {$4700.00} dollars because they claimed the transactions were authorized by XXXX.
Consumer complaint received 2024-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I took out XXXX loan as an XXXXXXXX XXXX  at XXXX XXXX in either XXXX or XXXX. I took out another couple of loans between XXXX as a XXXX XXXX, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX and XXXXXXXX XXXX XXXX 

I paid on these loans or was counseled into deferment/forbearance for the last XXXX years. During the pandemic, I was counseled by the XXXX to consolidate my loans and accept Mohela as my loan servicer. 

In XXXX I requested by phone with Mohela, that they provide me with a full payment history on all of the loans since I entered repayment back in the XXXX 's. Please see attachment which includes my notes from the phone call and Mohela 's response, showing no payments whatsoever. 

I am now a XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX. I can not add to the XXXX years of credit I earned under the XXXX program. I can not afford the $ XXXX monthly payment required for me to be in the XXXX XXXX XXXX XXXX. I believe that my XXXX XXXX  should be fully forgiveable ( XXXX years old ) and that my XXXX XXXX are either also forgiveable ( XXXX years old ). Mohela refuses to do their work and inform me of the age of the loans and the number of payments I made and deferments or forbearances I was counseled into.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS IS NOT A DISPUTE REQUEST. 
DO NOT FILE A DISPUTE. DO NOT ADD A SECURITY ALERT TO MY FILE. DO NOT MAIL A COPY OF MY CREDIT REPORT. I called TransUnion on XX/XX/XXXX, XXXX l dialed ( XXXX ) XXXX. Because TransUnion has excessive hold times, I requested a call back. About 45 minutes later I received an inbound call on or around XXXX XXXX  PDT. It was a male agent. After his introduction, he stopped talking ; however, my phone was still connected. I kept saying " hello agent are you there? '' There was no response. Either the system disconnected or the agent engages in call-avoidance. This is not a onetime isolated event ; this is a pattern and practice. Please sanction the employee and TransUnion.
Consumer complaint received 2023-11-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

I am not liable for this debt of {$4800.00} with XXXX XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX XXXX. This company did not provide me with the original contract that stated I have a contract with XXXX XXXX XXXX along with my wet signature and id verification. The contract provided is inaccurate and has been rescinded. This company is illegally impersonating themselves as an auto loan installment on my credit report but they are an official debt collection agency. Which is in fact a violation to my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Westlake Portfolio Management has reported late payments that are negatively affecting my credit reports which is a violation as well.

In accordance with the Fair Credit Reporting Act this creditor has violated my right 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS IS NOT A DISPUTE REQUEST. 
DO NOT FILE A DISPUTE. DO NOT ADD A SECURITY ALERT TO MY FILE. DO NOT MAIL A COPY OF MY CREDIT REPORT. I called TransUnion on XX/XX/year>. XXXX dialed ( XXXX ) XXXX. Because TransUnion has excessive hold times, I requested a call back. About 45 minutes later I received an inbound call on or around XXXX XXXX  XXXX. It was a female from XXXX XXXX. She asked for my email address and phone number. I responded " no thank you '', and she immediately said " goodbye '', and deliberately disconnected the call. Consumers are not required to provide their telephone number or email address in order to file a dispute by phone. The XXXX  XXXX agent 's conduct was unprofessional and inappropriate. Please sanction the employee and TransUnion.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (AL)

I disputed an account with Security Finance twice for incorrect information being reported on my credit report. I requested that the company provide documentation to prove the payment history because the payment history is reporting inaccurate and incomplete information, which is a violation of the Fair Credit Reporting Act. The company did not provide documentation of the payment history. It has been 3 months since they received my dispute. The time is up to respond and now this account must be deleted from my credit reports.