davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX and XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Both accounts were charged off and they received a tax break and did not SEND ME MY FORM 1099-C they should have sent when they Filled the account as a canceled debt. I'm aware per the IRS rules that they are suppose to file that by XX/XX/XXXX. I have yet to receive a 1099-C on either account. The IRS also Clearly defines a charge-off as Gross or Ordinary income per Publication 4681, and INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income ( Publication 4681 ). The reporting of this account as a debt is inaccurate. Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency per the note you have attached to each account. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY on the organization. I requested original documents and procedures from XXXX XXXX, TransUnion and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda. Also per North Carolina collection statue, creditors have 3 years from the date of the last payment to collect a debt.
Consumer complaint received 2023-06-16
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2018 ; XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$7200.00}.
Consumer complaint received 2023-05-04
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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. (IL)

I am writing to dispute the accuracy of XXXX XXXX XXXX listed on my credit report. After thoroughly reviewing the information provided by XXXX XXXX XXXX, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax
Consumer complaint received 2023-12-16
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: IDAHO CENTRAL CREDIT UNION (CA)

Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint against Idaho Central Credit Union for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Idaho Central Credit Union for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted Idaho Central Credit Union on XXXX regarding a charged off debt. As per the FCRA and the Internal Revenue Code, I requested a 1099-C form, which is necessary for reporting canceled or forgiven debt over {$600.00}. However, despite my repeated requests, Idaho Central Credit Union has failed to provide the 1099-C form. 
Furthermore, I have discovered that Idaho Central Credit Union is reporting this charged off debt as income on all three credit bureaus. This is causing significant harm to my credit score and financial standing. 
This lack of transparency and failure to provide the requested form is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to accurate credit reporting and the right to dispute incomplete or inaccurate information. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that Idaho Central Credit Union complies with the FCRA and corrects their reporting practices. I am requesting these inaccurate accounts be deleted from all XXXX Credit Bureaus due to this reportable violation of the FCRA. 
Please find attached copies of my correspondence with Idaho Central Credit Union for your reference as well as copies of my 3-credit bureau report as of XXXX. 
Thank you for your attention to this matter.
Consumer complaint received 2024-04-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I am submitting this complaint because I am the recipient of a Vanilla Gift card in the amount of {$100.00} the original card number ended in XXXX. When I went to use the card the card did not work so I called the customer service number. I was advised that I was the victim of a fraud and that the funds were depleted and would be added back to the card. The {$100.00} was added to the card but it was still bot able to be used so I called again and was advised that they will send a replacement card for my case # XXXX which would come in : -5 days by XXXX but they refused to provide a tracking #. 
I did not recieved the card after 8 days so called and they said they would send another card again by XXXX again within 3-5 days and again no tracking info. The card was FINALLY recieved yesterday XX/XX/XXXX and when I called to active it the recording says they removed the {$100.00} on XX/XX/XXXX. I called AGAIN and now Im told that they need to send it to the back office and they added the {$100.00} to wait 24hrs or 48 the most. I called the card today and still a XXXX balance. Now they say I need to send in my ID and our personal information to add the {$190.00} because they dont knownid the card was actually purchased which is a LIE. 
According to their own customer service agent AND online portal it shows EXACTLY when the {$100.00} was added. In the LEGAL BINDING CARDHOLDER AGREEMENT that they bind you to, it says NOTHING of the sort to provide such personal information for a replacement card. The company is ONLY LEGALLY allowed to ask for this IF it were part of our contract which it is NOT and they ADMIT this. I come to find that there is a MAJOR class action lawsuit against Vanilla gift card for this VERY REASON they are SCAMMING people! 
If they did not believe the card was paid for they would not have agreed to send not one but TWO replacement cards with the {$100.00} plus load the {$100.00} back onto the original al card in the beginning, I want my {$100.00} loaded onto the card that I am LEGALLY entitled to and I am asking your associate in having the company honor their own contract and card holder agreement and give me back my {$100.00}.
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (OH)

Paid XXXX XXXX settled for $ XXXX paid and have proof of payment Then sold to XXXX XXXX on XX/XX/XXXX for original amount of XXXX with no notation of payment/settlement Now sold to Capio group on XX/XX/XXXX for same XXXX XXXX  is also trying to collect on the same amount again.
Consumer complaint received 2018-05-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In XX/XX/XXXX we did a Cash for Keys agreement with Bank of America. We had tried for several years to get a loan modification when the economy crashed in XXXX XXXX, but it was never completed. We had decided things wouldnt get any better for us and we were going to move back to XXXX to be around our family. Our house at that time was {$200000.00} upside down. It was at this time we obtained an attorney and decided the Cash for Keys was our best option. Upon inspection of the property Bank of America paid us {$5000.00} to vacate the property. We were told they would take possession of the home and in 2 years we could try to purchase a new home in XXXX. Our credit took a hit. 

In XX/XX/XXXX we went to look for a new home in XXXX. Our credit was checked at that time and it showed we still owned a home in XXXX. Bank of America never took title to the property even though taxes were paid by them and they also were paying H.O.A. fees. There is now a lien against the property for H.O.A. fees with penalties. Our attorney reached out to B of A and they said they had no agreement with us and that we would have to sue them before anything would be done. 

Our attorney filed a case for Breach of Contract. The case was moved to Federal Court. Our attorney informed us we had a bad judge & it didnt look like she would rule in our favor. The case was dropped and our attorney proceeded from another angle. We sued B of A for not taking action within the Statue of Limitations. Several months ago our attorney informed us the state of XXXX  was no longer honoring the Statute of Limitations. The judge said she couldnt rule based on the statute of limitations, but was curious as to why B of A never took title to the property. The judge reviewed the case and decided that we didnt have quantifiable damages as a result of their breach. The case was dismissed again. We have copies of all emails from our attorney if you need to see them. 

In the meantime we were informed of our attorney 's death. We are now stuck with no attorney and haven't found another one to take our case without paying a large retainer fee. Bank of America has said that they plan on going through with the foreclosure. As of today we have not received a foreclosure date but did get notification from XXXX XXXX XXXX XXXX. We feel like this is just not fair. That is why we are reaching out to you. If they are allowed to foreclose our credit will be hit again and we are afraid that the laws now will result in a large XXXX fee. We will never be able to finally get settled in a home here. Right now our money has all been wasted on rent ( {$1500.00} a month ) and our entire home has been in a storage unit ( at {$170.00} per month ) since XX/XX/XXXX. 

Attached you will find copies of the Cash for Keys check & the inspection letter. We also attached a couple of other letters pertaining to the Cash for Keys agreement.
Consumer complaint received 2024-06-17
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

XXXX Medical Data Systems I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Dear Medical Data Systems I, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX XXXX bill in the amount of {$3900.00} that was discussed on XX/XX/year>. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
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)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from Equifax. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. 

Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX Equifax. 

I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (CO)

I contacted the credit bureaus and informed each company the account was closed with a XXXX balance. After the investigation, the credit bureaus reported the account is open with a balance. That information is incorrect.
Consumer complaint received 2024-05-07
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.