davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
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. (TX)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Consumer complaint received 2024-07-28
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. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-06-20
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: Experian Information Solutions Inc. (NY)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (AZ)

XXXX had loan XXXX XXXX with wells fargo dealer servies inolved inaccidenrt had bought GAP insurance rider added o to loan XXXX and Wells fargo and their servicing company out XXXX XXXX said you would not pay gap due to technical thei had to buy {$3000.00} car deliver packages XXXX XXXX XXXX XXXX XXXX cause of accident you mad me and denied gap then i had to suffer and call all XXXX XXXX  months finally saying CPFB would get involve but you never paid for my pai and suffering and Wells Fargo you opened many unauthiruzed stole money service feezchecking account savings account opther products and they still are doing it now and they blow m e off on settement nee {>= $1,000,000}. They just sent letter case # reference # XXXX Wells Fargo Mediation Program XXXX check and for 5 years have lied to me not adress gap insurance pain suffering their XXXX and mediation XXXX
Consumer complaint received 2024-07-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (AZ)

XXXX had loan XXXX XXXX with wells fargo XXXX XXXX XXXX XXXX had bought XXXX insurance rider added o to loan XXXX and Wells fargo and their servicing company out XXXX XXXX said you would not pay XXXX due to technical thei had to buy {$3000.00} car deliver packages hot sun XXXX XXXX XXXX  cause of accident you mad me and denied XXXX then i had to suffer and call all XXXX XXXX months finally saying CPFB would get involve but you never paid for my pai and suffering and Wells Fargo you opened many checking account savings account opther products and they still are doing it now and they XXXX XXXX XXXX XXXX on settement XXXX {>= $1,000,000}. 

They just sent letter case # reference XXXX XXXXXXXX Wells Fargo XXXX XXXX XXXX check and for XXXX years have lied to me not adress XXXX insurance pain suffering their XXXX and mediation XXXX
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 



A. 15 U.S.C.1681 Section 602 A states I have the right to privacy.

B. 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. I did not and do not give my written instructions for these accounts to be published. 

C. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information such as adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years. 

D. 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 the information is inaccurate.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I bank with Bank of America for three years I lost my bag that had all my important things in there even my cell phone my social my birth certificate my ID I had to go to the police department to get a a card they said I cant make a repost if something was lost not stolen I have to talk to the bank I called the bank before 60 days when I notice my bag wasnt in my suit case or in the car I went on my account and seen they let someone spend over XXXX a day on my card when they told me when I first made the account thats how much a day who ever has my card spent over XXXX dollars they denied my claim two and keep asking me to do things I done everything they asked its been over 180 days pass they still wont put my money back in my account or show me why they keep denying saying charges I didnt do cause the person knew my pin I have XXXX kids Im going to lose my house this Friday if I dont pay they keep denying my case reopening it I need my money back their playing with my life
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my fourth time writing you to update my person information. 
XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses plese delete these outdated addresses and update the addresses with the XXXX above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX ( a ) am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX go XXXX XXXX and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-20
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. (WA)

I have submitted a dispute for incorrect information on my credit report. A debt that has been settled is being reported incorrectly. The debt collectors have settled with me via their lawyer and I have paid in full. I have included all proof of this to transunion. After attempting to submit more proof via their online portal that did not work, the investigation concluded that the debt is accurate when it is not.
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. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-07-27
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I never received a card from bank of America for Edd during pandemic. I just was made aware of this as I began to tackle my taxes I've been ill for several years and am just starting to attempt to catch up. I just found out XXXX  were dispersed to my account. I have filed a police report and fraud with edd. I have begun the claim process. Spending hours on phone in bank. They have said XXXX days to process claim. Before I get a approval or denial. I believe I qualify for a provisional credit. That must be paid within 10 days. 
I was without these funds for years when I should have had them but for BofA negligence and unethical practices which deprived me of some days even the ability to eat. I should not have to wait a moment longer. Or at least not an additional 90 days. Please help me recover my funds expeditiously. I lost my motorhome during these months. My home was taken. If I had had my edd money I could have still been in my home. BofA and their carelessness and lack of security cost me greatly. Thank you for your help in advance.
Consumer complaint received 2024-07-27
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)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report. 
XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2400.00} {$0.00} {$2400.00} Credit Limit : {$2200.00} {$2200.00} {$0.00} Past Due : {$2400.00} {$2400.00} {$2400.00} Payment Status : Collection/Charge off Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to file a complaint against Capital One and Credit Reporting Agencies ( CRAs ) XXXX, XXXX, and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT NUMBER XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 informatin requested from the list of acceptable itms 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: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

NewRez LLC was not paying the correct tax amount which resulted in a past due amount of {$120.00} for tax year XXXX and {$280.00} for tax year XXXX. I contacted their tax department who assured me it would be taken care of. On XX/XX/XXXX I recieved a letter stating they are working to gather more information. On XX/XX/XXXX I logged into the debt collectors website ( after several letters and litigation threats ) to find the debt still had not been paid and had accrued " attorneys fees '' of {$420.00} for each year and {$70.00} in " other expenses ''. I have paid the amount to resovle this but this should have been NewRez LLC 's responsability. This is the worst mortgage holder I have ever worked with and would like to know why the are not properly servicing my VA mortgage.
Consumer complaint received 2024-07-28
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: EQUIFAX, INC. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have ask for 3 month of repayment plan behind XXXX i alredy made XXXX then XX/XX/year> but i am getting notice of Dfault and intention to foreclose i dnt unstand when we agrrre on payment plan XXXX XXXX and XXXX XXXX XXXX  XXXX # XXXX # loan XXXX
Consumer complaint received 2024-07-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (NJ)

This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account XXXX Alley Financial.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

When I called XXXX XXXX XXXX and XXXX XXXX I was told that they had a hold on my account prior to being able to cash a check that was taken out of my paycheck. Mind you the letter I received prior was back dated to XX/XX/XXXX and then mailed out on the XXXX. Per the last conversation I had last week they were waiting for the approval and then were going to stop the Garnishment. Called today because they took money out of my check. When I called today they said I had to make XXXX payment in order to stop the garnishment when I was told that I had to make XXXX payment in order for it to be Relinquished. All the while they had another payment taken and refuses to refund it. Saying it will be added to my account. So they want me to pay the XXXX along with the money they got off the first check of this month and are going to keep this other check. When she finally said they sent a letter XX/XX/XXXX to my work on stopping the collection. Again asked for a letter stating what was said today and the lady refused to give me a letter on what was discussed today. I had to have a friend record what was said because of her refusing. My work had yet received the letter so I called back with a fax number for them to send to my work. I also was told that it XXXX and then was told it was XXXX. As of to date they have taken over XXXX dollars for this debt. When they started it was over XXXX. It now has become over XXXX for XXXX credit card debt. Being told that they mailed me back in XXXX  regarding this but never received any notifications or calls regarding this matter. The lady basically said well if you got your mail you wouldn't be here now. This company is rude and have lack of respect for what they do. They still continue to add interest on this debt. They absolutely refuse to send me any letters regarding this matter. Is this just another lie that they are trying to cover? Or are they going to back date another letter and mail it a week later like they did to me?