davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reported several accounts that I found on my credit reports from all three credit bureaus that are Fraudulent. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have, by request mailed a Police Report, a Federal Trade Commission Affidavit report, a copy of my Drivers License, Military ID and my Social Security Card with my name showing XXXX XXXX XXXX. Also a notarized sworn affidavit as well. All of these documents I sent they the regular mail as well as thru the internet several different times to make sure that Transunion received them. They keep sending me a computerized response saying I need to send the documents I just explained that I have sent several times in order for them to do a block of my credit profile as what they are calling the process of removing the disputed accounts from my credit profile. This is my life here and Im not happy about how Transunion is siding with these companies to try and make me pay the balances for each of these accounts that I did not open. THESE ACCOUNTS ARE FRAUDULENT THAT I HAVE LISTED TIME AND TIME AGAIN. I DID NOT OPEN ANY OF THESE ACCOUNTS NOR DID I BENEFIT FROM THESE FRAUDULENT ACCOUNTS IN ANY WAY. THIS HAS DESTROYED MY CREDIT WORTHINESS AND SCORE AND IT ISNT RIGHT AT ALL. I HAVE SENT THE PROPER DOCUMENTS THAT WAS REQUESTED BY TRANSUNION SEVERAL DIFFERENT TIMES AND BY NOW MY ACCOUNT SHOULD BE FIXED BUT IT STILL ISNT TO THIS DATE!! TRANSUNION PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE AND STOP CONFUSING MY NAME, XXXX XXXX XXXX, WITH THIS OTHER NAME XXXX XXXX. I HAVE SENT DOCUMENTS THAT PROVE MY NAME IS XXXX XXXX NOT XXXX AT ALL. I CANT EVEN LOG IN TO THE TRANSUNION SITE BECAUSE THE SITE HAS ME MIXED UP WITH THIS XXXX CHARACTER.
Consumer complaint received 2023-05-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

I hope this letter finds you well. I am writing to address several concerns related to my private student loan, which is currently being serviced by Firstmark Services. Specifically, I would like to request documentation regarding the charged-off status of the debt and also request the issuance of a 1099-C form for tax reporting purposes. 

According to the information provided in your previous correspondence, my loan was last reported as " charged off. '' As such, I am requesting documentation that clearly outlines the details and basis for this charge-off, including the date on which the charge-off occurred, the specific reasons cited for the charge-off, and any supporting information or documentation that justifies this action. 

Additionally, as a result of the debt being charged off, it is necessary for me to receive a 1099-C form. This form is required by the Internal Revenue Service ( IRS ) for reporting canceled or forgiven debts that may be considered taxable income. I kindly request that Firstmark Services issue a 1099-C form pertaining to the charged-off debt, providing the necessary details for accurate tax reporting. 

To ensure compliance with the relevant statutes, I would like to cite the following : Fair Credit Reporting Act ( FCRA ) : The FCRA sets forth guidelines for the accuracy and integrity of information reported to consumer reporting agencies. It is imperative that all information reported accurately reflects the status and details of the debt. Any inaccurate or misleading reporting may be in violation of the FCRA. 
Internal Revenue Code ( IRC ) : The IRC requires the reporting of canceled or forgiven debts on Form 1099-C. If the debt has been charged off, it is necessary to receive a 1099-C form to fulfill tax reporting obligations. 
I kindly request that you provide the following documentation and take the necessary actions : Documentation regarding the charged-off status of the debt, including the date of charge-off, reasons cited, and supporting information. 
Issuance of a 1099-C form for the charged-off debt, with accurate and complete details for tax reporting purposes. 
I appreciate your prompt attention to these requests. Please provide the requested documentation and the 1099-C form within 30 days of receiving this letter. If you require any further information or have any questions, please do not hesitate to contact me
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

Called twice. Transferred to lender dept. Had applied for Chase Freedom Unlimited. Was declined. First rep said I opened up too many Chase cards in two years. Called again. Second rep said, opened two many credit cards in two years, period. Here are my concerns : 1. Consumers should be made aware that opening up more than one credit card per year is risking their credit with the largest bank in the U.S. 
2. Yet banks keep sending offers via email to open new account. 
3. The first line of Chase application should state " Opening five credit cards in two years will affect your application. '' 4. I did not open five credit cards in two years. However, I am an authorized user on my husband 's card, so that counts as opening a new account. Consumers should be made aware of this. Banks are always asking would you like to add an authorized user. 

Finally, the ignorant lender reps were unaware that all I had to do was upgrade the Chase Freedom card I already owned, because it finally occurred to me that I might be able to just upgrade the card, which is what i was able to do. Only hitch. I have to contact four merchants and provide new security code for automatic billing, which is what I wanted to avoid in the first place.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo charged me multiple fees for overdrafts and eventually shut the account down altogether causing me many issues with other accounts. They sent a refund for some of the charges but it didnt include any type of compensation for the damages incurred during this time because of the charges. I was going through a separation at the time and was out of work so I depended on a very small amount of money and these charges kept me from being able to pay bills and even find housing during this time. The account was closed and when I attempted to contact Wells Fargo they were extremely unhelpful.
Consumer complaint received 2023-05-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AAA Auto Title Loans, LLC (NV)

Complaint against Cash 1, LLC. On XXXX XXXX, a summons was given to me. Received numerous calls, texts, voicemails, and email telling me to settle this account before going to court. Today, XX/XX/2023, I called to have the debt settled as determined by default account from the court documents to be {$1600.00}. I was threatened that I had to pay another amount totaling {$2000.00}. I asked to speak with the supervisor or a legal department supervisor to escalate the information regarding the correct amount due and she wanted me to disregard the documents. I was denied access to speak with a supervisor. The representative XXXX XXXX in the legal department that I was speaking to denied me access to her supervisor or a manager in the lethal department. When I asked for the complaint officer information, she again denied me access and said XXXX will call you back. She became belligerent and stated you can file a complaint against me. I responded this is not personal. According to her, XXXX is her supervisor and the complainant officer for the legal department.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I attempted to freeze my credit report with Experian by phone on XX/XX/year>, and XX/XX/year>. Despite providing my ITIN and verifying my identity, I was informed that Experians system does not accept ITINs for freezing credit reports. I believe I am entitled to freeze my credit report using my ITIN, and Experians refusal to process my request is preventing me from securing my credit as allowed by law.

I have sent a formal letter to Experian, including my identification, the letter from the IRS with my ITIN, and a recent bank statement to verify my identity. I request assistance to ensure that Experian processes my request correctly and allows me to freeze my credit report.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are multiple accounts showing on my consumer report that are inaccurate. The first is XXXX XXXX. There are three repo 's listed on there and multiple dates in between the repo 's that show the status as OK. I have contacted the company multiple times giving them the option to correct the account and they have done nothing besides threaten me illegally and claim it is validated-which it clearly has not been. A quick search of the XXXX shows that it was sold last at an auction in XX/XX/2018 by XXXX XXXX, but it shows the last repo as occurring on XX/XX/2018. This is clearly a mistake and one of MANY on this inaccurate account. The next are charge offs. According to the IRS when a debt is cancelled for more than {$600.00} it counts as income for the consumer but there are four cancelled debts still showing on my consumer report : XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2024-10-26
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: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

This is a complaint against XXXX. In XXXX they failed to report a student loan payment I successfully made to the credit agencies resulting in an UNJUSTIFIED XXXX XXXX decrease in my credit score. I wrote letters, called, spoke to the credit agencies who all pointed me back to XXXX. This was never corrected. XXXX agreed I paid successfully. Experian reported XXXX did not report the payment. I am submitting for the recent settlement for affected borrowers.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom may concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate. 
You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX XXXX : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 


XXXX XXXX XXXX : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is closed, but is reporting a XXXX  day Late payment. Update to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately! 



15 U.S.C 1681 section 602 A : Clearly states that 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 an account without my written instructions. 

15 U.S.C 1666 B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Remove the late payments from the accounts above as demanded, and remove the other two accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the inaccurate informations in my credit record that came about due to an alleged fraud : The following are seems to be an arror on my file that needs to remove : XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX Balance Owed XXXX {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/2018 RE : XXXX XXXX Dear Transworld Systems Inc.,  and XXXX XXXX, I received an invoice from Transworld Sytems Inc. stating I owed XXXX XXXX money in the amount of {$400.00}. TRAnsworld File # XXXX. Transworld has three telephone numbers and three different addresses on their collection bill. When I called trans world and tried to get XXXX XXXX on the line with them in a thruway they hung up. I accused them of fraudulent billing practices. 

I called XXXX XXXX and they said this was a fraudulent collection and XXXX XXXX sent me a XXXX balance of XXXX owed. XXXX XXXX opened a case # XXXX and a XXXX # XXXX for this billing from Transworld Systems. 

I am reporting this to the Government Authorities of unlawful collection. 

XXXX XXXX will not be in my complaint as they were very helpful in the fact of informing me they did not have any balance owed by me and they sent me a XXXX balance and stated I never owed them anything that they never sent anything for collections. 


Please be advised TRansWorld Systems you are being reported for unlawful collection practices. 

Sincerely, XXXX XXXX Attached in this correspondence is a XXXX XXXX   XXXX balance statement and the TRansworld Systems Collection Bill File # XXXX Transworld Telephone # XXXX they wanted me to send the payment to XXXX. XXXX XXXX, XXXX, DE XXXX. 

XXXX XXXX XXXX, Case # XXXX and a XXXX # XXXX for this billing from Transworld Systems.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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.