davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (MO)

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this letter to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( XXXX XXXX  ) is reporting a balance of ( {$2400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$2400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that at all so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CFPB - I've reached out to the creditor XXXX requesting a copy of the 1099c form filed for the charged-off " Account XXXX ''. Attach you will find the certified letter mailed to XXXX requesting this document to provide to my CPA - as well as 2 phone calls made to the creditor requesting that they send this information over. I've have yet to receive the 1099c form. 

Because XXXX have not sent over the 1099c form as requested on three different occasions, I've come to the conclusion XXXX has/is committing " Tax Fraud XXXX and I plan to report this issue to the IRS if this account is not removed from my consumer report within 5 business days.

This account is a charge-off which is cancelled debt and because this a cancelled debt the creditor " HAD '' to file a 1099c form. Because a charge-off is cancelled debt this means this account is classified as taxable income- which taxable income should not be reported on my consumer report.

According to 15 us code 1681 a 1 The banking system is dependent upon fair and accurate credit report- ing . 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. 

This is " '' Inaccurate '' reporting and im requesting a deletion of this account from my consumer report ASAP.
Consumer complaint received 2024-07-25
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 Convergent These Accounts : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Have 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I have made a transfer of XXXX : around {$110.00}, however only {$67.00} was received and {$48.00} was taken by Coinbase as fees. The transaction took over 3 hours to be effected. I was not warned that such a fee would be charged. Generally a common fee would be {$1.00} to {$2.00} ; not {$48.00}. 

Given that this was from a XXXX distribution, it is common knowledge that the Administrators pay Coinbase to Administer XXXX XXXX. 

From experience and reports on fee discrepancies, it is noted that Coinbase does not respond ; hence this complaint to you directly. 

This is required to be investigated.
Consumer complaint received 2024-07-18
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURISH A ACOUNT WITHOUT MY WRITEN INSTRUCTIONS. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY 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 2023-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Home Loan Center, Inc. (MI)

Six days ago I got a phone call from a lending agent claiming to be with lending tree telling me that I got approved for the personal loan I requested his name is XXXX XXXX. So not thinking about it throughly I got excited so then XXXX started to explain the process which sounded legitimate at the time because it sounded just like the last legitimate loan agency I went through said but then I started to get nervous and suspicious about what came next he had told me that I would have to pay an insurance fee because of the loan amount being so high and that it would be the government that pays the fee I would just have to have it deposited into my account to verify that it is my account. Which at the time sounded legitimate but then when he asked me if the money was added to my account I told him yes then he said that I would have to transfer it back to the insurance company but I got really suspicious when he said I had to transfer the funds through cash app. I then asked about it and he said its not issue its just the fastest was to get the funds. So I unknowingly sent the money then when he requested more money from me just today I called him out on it being a scam he kept telling me its not a problem Im with lending tree so when I asked him to speak to the insurance people about whats going on he put me on hold for almost a half an hour before I hung up and called lending tree and thats when I got my confirmation that is was a scam. So I blocked his number and requested my funds back from cash app and reported it to cash app. Ive also reported it to lending tree and they are doing a full blown investigation on this XXXX XXXX person.
Consumer complaint received 2024-07-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank closed my XXXX credit line with PC Richards with no warning. 

I called pc richards and they told me to reapply, to which I did. 

This is they're response via email Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Please see reverse side for important information Dear XXXX XXXX, We have received your request for a credit product with PC RICHARD issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : The total amount of credit lines you have with Synchrony Bank I had XXXX cards under synchrony ( not by my choice ), now I have XXXX. 

Losing XXXX worth of credit dropped my credit score to under XXXX PC Richards doesnt know what Synchrony is doing either.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need all my XXXX disputes and wells fargo claims disputes that was was declined to be reopen or reinvestigate or investigate or make into a new dispute again and investigate it or give me a one-time credits for all the disputes that was declined My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Consumer complaint received 2024-09-17
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: Lockhart, Morris & Montgomery Inc. (IN)

I disputed an account in collections on my XXXX report. This account was paid in full and I have the receipt and emails with the company to prove it. I tried to upload the documents but their website wouldn't take it. I tried calling but was not able to speak to anyone or leave a message. I put the documents in the mail and sent them registered mail. They will not arrive until XX/XX/year>. I filled out the dispute this past weekend, the XXXX or XXXX of XXXX. So they spent 1 day to judge me guilty and say the account is verified. So the creditor, XXXX XXXX, their attorney 's, XXXX XXXX XXXX XXXX XXXX must have all submitted false information today.
Consumer complaint received 2024-07-14
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: ALLY FINANCIAL INC. (IL)

On XX/XX/year>, Ally Financial did an inquiry on my credit. I did not authorize this company to check my credit. Under the Fair Credit Reporting Act, it is my right to have this inquiry removed.
Consumer complaint received 2024-08-13
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1.there is some inaccurate information reporting. 
XXXX XXXX Account # XXXX Delete this account. 

2.there is some inaccurate information reporting. 
XXXX Account XXXX XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account # XXXX Delete this account. 

XXXX15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account # XXXX XXXX this account.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

l am a victim of XXXX  XXXX  of XXXX bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself. 

COMPANY : XXXX  XXXX  I Balance : {$940.00} SSN : XXXX XXXX : XX/XX/year> Name : XXXX XXXX COMPANY : XXXX Credit Manag Balance : {$10000.00} SSN : XXXX XXXX : XX/XX/year> Name : XXXX XXXX
Consumer complaint received 2024-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Detailed Chronology : XX/XX/year>XXXX  I mobile deposited my first Citizens Bank home equity line of credit check for XXXX XXXXXXXX into my XXXX brokerage account. It looked like it was deposited successfully. 
XX/XX/year> Citizens Bank called me to verify the check, which I appreciated. 
XX/XX/year> The XXXX XXXXXXXX, along with transferred XXXX  from my Roth Ira and Required Minimum Distributions into the brokerage account, I wired the closing $ to the attorney 's escrow account for the closing of our new townhome. 
XX/XX/year> Citizens decided to return the check from XXXX, putting my brokerage account into a negative margin call position, since the funds had already been wired for the closing. This was 12 days after depositing the check! They did not call/email/txt me that they had returned the check from XXXX. 
XX/XX/year>XXXX  I called Citizens when they opened on the XXXX, and they told me it was probably due to a fraud alert on my signature, but couldn't be sure. I wrote and deposited another check for XXXX XXXXXXXX immediately. Then I spent a lot of hours on the phone with XXXX explaining what happened. They were excellent! They saw the second check pending, and held off selling all my brokerage holdings to see if the new check would clear next business day. 
XX/XX/year>XXXX  The second check cleared and the brokerage account was restored to its original status. 
This experience was a nightmare!
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (PA)

I been having problem with XXXX for a very long time they charged me for an extra phone messed up my bill then overcharged me on multiple different occasions trying to get me to pay for things that I didnt have it pay for.One moment my bill would be XXXX $ then out of nowhere raise to XXXX $ after after a single day.This all happened around the month of XX/XX/year> after I tried to call them about the extra phone they had put on my bill.
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TN)

Date opened - XX/XX/2022 Original balance- XXXX I asked the company to remove this from my credit report and to please send me a contract I signed with them. And they could not provide that to me. 

Account info Account name - SELF/SOUTHSTATE BANK Account number - XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (AZ)

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : 1.L J ROSS ASSOCIATES INC , I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches. I have never received any response or notice from .L J ROSS ASSOCIATES INC . I do not know .L J ROSS ASSOCIATES INC. nor do I have a contract with them, XXXX has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CA)

1. Extortion : By reporting these false late payments, you are coercing me into a situation where I must pay amounts that are either incorrect or unverifiable. This leverage against my creditworthiness for financial gain is a clear act of extortion.

2. Fraud : The deliberate reporting of inaccurate information to consumer reporting agencies, knowing that the requisite billing statements were never provided, constitutes fraud. This misrepresentation of facts to damage my credit score is unlawful and unethical.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

My loan was transferred from XXXX to XXXX in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently XXXX is reporting to XXXX, but has not reported to Transunion. I have called XXXX 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to XXXX, they have not responded once. CUstomer service is terrible. 

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from XXXX. 

My credit score is now negatively impacted and causing issues.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (IL)

XX/XX/XXXX - I received a claim for {$100.00} from a collector called XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. The last time I had vet service from this merchant was almost two years ago. There is no single communication since then. I called the merchant and was advised that it was related to a XXXX occurred on XX/XX/XXXX. 

XX/XX/XXXX - the XXXX was performed on my dog and we were charged {$770.00}. It was paid in full at the time. 
XX/XX/XXXX - an invoice for fecal test was in my inbox for {$52.00}. We were advised that no payment was needed as the it would be included in the tomorrows XXXX charge ( which we paid in full ). However, I found out today that this balance remains unpaid in their system. The merchant also added a finance charge for this missed payment although we paid everything in full real time and no other communication was provided since XX/XX/XXXX.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (GA)

This company is reporting fraudulent information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I XXXX review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (NC)

They called me and said they were out looking for me and I had an old debt to settle and I had to pay upfront. Tried to go on the website and I tried calling them but they won't answer the phone
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (NC)

This account ( CAINE WEINER # XXXX ) has been re-aged on my credit report, and I demand its immediate removal. Additionally, I am concerned that this account is only being reported by XXXX and XXXX, further highlighting the inaccuracy of the information. 

This inaccurate information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ) and 15 USC 1681i ( 5 ) ( b ) ( ii ).
Consumer complaint received 2024-07-17
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (AL)

On XX/XX/XXXX, I responded to a letter stating I owed a debt to ConServe. This debt spans back to XXXX and I was never made aware of this. 

In an attempt to be provided the evidence that a debt vas correct and valid, I drafted a " Debt Validation '' letter and sent it via certified USPS mail. It was received by Conserve on XX/XX/XXXX. They have not sent any verification of debt nor have they provided any correspondence. 

I am attaching the pre-paid label I used to send the letter, along with tracking and confirmation of receipt by signature. 

I am attaching the letter itself that was sent. 

I am attaching the USPS Proof of Delivery receipt. 

They have 30 days to respond in writing which they have failed to do.