davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, I obtained my credit report through a recent request to your company. There were U. S. Bankruptcy Court items listed on my credit reports. Per theFCRA 623 ( a ) ( 5 ) : " If a credit reporting agency cannotVALIDATEthe information with the U.S.court system, they must remove said information from the consumer credit file '' The Bankruptcy Court has mailed me a letter that emphatically stated they doNOTprovide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information isNEVERvalidated by the U. S. Court system due to the Fair Credit Reporting AgencyPRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion has never validated or verified this public record entry on my credit report. They further stated while they are NOT liable or responsible for anyMISUSE or INCORRECTpublic records. Considering the information indicating & Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to bePERMANENTLY DELETEDfrom my credit report immediately.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I tried to chat online for XXXX miles will be credited to my XXXX XXXX flier membership account after spending {$2500.00} in first three months. Representative told me to investigate this & will resolve problem but never happen. Then I called Citi/Aadvantage tall free number, talked with XXXX, she told me that there no offer like that. I have email that they sent to me & Statements of credit card which will prove that I have spent more than {$2500.00} as they require.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDEN 1 CREDIT UNION, THE (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules. 

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information.

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : Golden 1 CU XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (CA)

Open on XXXX XXXX Amount {$200.00} I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

I HAVE REQUESTED PREVIOUSLY I AM A VICTIM OF IDENTITY THEFT AND THERE HAVE BEEN ACCOUNTS CREATED UNDER MY NAME BY USING MY INFORMATION. I REQUESTED THE INSTITUTION TO DISPUTE THAT ACCOUNT AS IT IS NOT MINE OR I AUTHORIZE IT BECAUSE IT AFFECTS MY CREDIT REPORT. DUE TO THAT IM STRUGGLING TO GET A CAR ETC. I NEED TO GET MY ACCOUNT DISPUTED FROM XXXX CREDIT AS IT IS NOT MINE.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I made a purchase of {$900.00} on the store XXXX XXXX For home computer networking equipment, I later returned this order back to the company in new condition because i changed my mind and wanted to use a different product. 

After my order was returned back to the company they did not refund me and whenever i would reach out they said they can see the order was delivered back to them and it still needed to be processed. But they did not ever process it. In their email it says Your return will be processed within one week of when we receive it, and a refund will be sent to your credit card once your return has been processed. 

I contacted my credit card company Capital one on XX/XX/XXXX to start a dispute and gave them the return tracking and conversations i had with the XXXX company. they gave me a temporary credit that they later on XX/XX/XXXX reversed and recharged me the original {$900.00} without any communications and did not ask me for any more info or keep me updated at all in this issue.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Accounts, Inc. (NH)

I am writing to file a formal complaint against United Accounts , Inc. and XXXX XXXX. Lies for their inappropriate and potentially unlawful behavior related to the collection of an alleged debt. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and warrant investigation by your office. 

United Accounts , Inc. has engaged in false, deceptive, and misleading representations in connection with the collection of an alleged debt. Despite my repeated attempts to inform the agency that their claims are inaccurate, they have persisted in their unlawful collection efforts, and have threatened to use law enforcement against me if I continued to attempt to dispute the alleged debt. 

In a particularly concerning development, I received a text message from the phone number of XXXX XXXX. Lies, who is currently employed as a sheriff in XXXX XXXX. To my knowledge no party previously involved lives or operates in XXXX XXXX. In the message, the sheriff instructed me to contact the local police regarding the alleged debt, in a manner that suggested he was a XXXX police officer looking into the matter. I believe this communication was intended to intimidate and coerce me into paying the debt, despite my objections to its validity. 

The involvement of a currently employed law enforcement officer in the collection of an alleged debt, particularly when employing false or misleading representations, is deeply troubling and, I believe, in violation of the FDCPA. I respectfully request that your office investigate this matter and take appropriate action to address the misconduct of both United Accounts , Inc. and XXXX XXXX. Lies. 

The amount United Accounts Inc. is attempting to collect is {$110.00} text in question took place today XXXX Thank you for your attention to this matter, and I look forward to your response.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a43.ok open end consumer credit plan as late for ar purpose.
Consumer complaint received 2023-04-28
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. (WA)

I have asked Transunion and XXXX to do a thorough investigation of this account and provide proof. Both credit bureaus have failed to do so. I have found numerous inaccuracies with this account and they are both reporting different information. It is the same account so the information should match up. I have attached proof of the inaccuracies and I am requesting for this to be deleted.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2024 I arranged for a transfer of funds from Goldman Sachs/Marcus bank to XXXX XXXXXXXX XXXX XXXX I have done this more than a dozen times over the past couple of years without any issues. The transfer was approved on a recorded telephone line at Goldman Sachs. On XX/XX/2024 I logged on line to see the transfer was being processed and the website indicated it would be completed within 1-3 business days. On XX/XX/2024 I logged on to the website and the transfer had been reversed. I immediately called Goldman Sachs/Marcus , spoke to no less than six people, all on recorded lines, and no one could tell me why it was reversed and could not help restart the transfer. I then asked to close my account and was told that would take an additional 1-3 business days because my money was in " limbo ''. Not the kind of banking term I had ever heard of before. Consequently, I was forced to borrow the funds to cover the payment that was due the IRS to avoid penalties.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (NC)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (WA)

After numerous, hundreds of calls from Comenity Bank, they decided to contact someone I know in order to get information on where I worked. This person was NOT my family. I don't know how they got his number or why they thought it was okay to contact him and speak about my personal business. I feel my privacy has been violated. I'm embarrassed and humiliated. My current financial hardship is my business only.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (MI)

Good Morning ; During a background check this information was provided as my past residence, I have never lived on those addresses ; Im concerned that someone is using my identity, please let me know the procedure to follow up and correct it. 
Thank You. 
Down below I copy the information that is not mine Address XXXX XXXXXXXX XXXX XXXX, MI XXXX Addr Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Addr Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (WV)

One Main Financial has repeatedly called me several times a day. Sometimes more than 7 times in a week. It is harassment how much they have called me. 

They even call from different numbers ( on the Same Day ) and leave multiple voice-mail messages. 
I had already made the rest of this month 's payment yesterday, and one of their debt collectors still called me that same day. I have proof of all of this. 

They've even started to call my home phone throughout the day several times. 
I can't afford the whole payment at one time, so I have to spilt the monthly payment amount in two, which I have done every single month. 

I've attempted to make arrangements with them previously and they put me on a program that appeared to helped me make lower payments at first, but it actually caused me to have to pay more for the loan over time. 

That was not clearly explained to me when I first signed up for the program. It wasn't until I tried to renew my eligibility months later, that one of their representatives told me that it was a horrible program that they trick people into. 
This representative told me that spilting the payment up in 2 parts every month was better as my whole bill would be paid that month, plus I would not he paying extra in intrest. 

I'm not in the best financial position right now, but One Main Financial ALWAYS gets paid the full payment every single month, yet they continue to harass me by calling me incessantly. 

This company has extremely unethical business practices and I'm considering suing them if they do not stop these harassing calls.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (PA)

I noticed some inaccuracies on my credit report i brought it up to XXXX Experian and XXXX they told me they were going to take care of the problem but they never did. its effecting my credit report and score.
Consumer complaint received 2024-04-08
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. (NV)

About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with XXXX XXXX  XXXX that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and XXXX XXXX XXXXXXXX directly but they have not responded to my request to remove the item.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As of XX/XX/28 this account continues to report inaccurate information such as account rating, closed date, highest balance, after a factual dispute investigation was requested and information came back as verified but all three bureaus are reporting inaccurate information from this company
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Let this serve as documentation of my last time demanding that my consumer report reflect accurately. A 1099c was filed for the accounts for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for the XXXX tax year. I have attached copies of both copies of copy B which show they were accepted by the IRS so that I can properly file my taxes this year. The 1099c for these accounts show that the amounts are gross income according to the IRS and income is NOT reported on consumer reports. These accounts are reporting inaccurately as debts when they are in fact income. Mark these accounts as paid as agreed or delete them from my consumer report for inaccurate reporting. Failure to do so will result in my attorney filing suit against you FOR WILLFUL NONCOMPLIANCE for which you will be liable for the costs of all proceedings per your terms and agreements.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.