davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit report : 1. XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report.

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness. 

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I purchased my auto in XXXX. Made every payment early and over the amount. Paid last payment to Hyuandai Finance on XX/XX/XXXX. I still have no title. They said that it is an electronic title with XXXX XXXX Florida. XXXX XXXX Florida XXXX said its an electronic title with a non electronic XXXX. All I need is a lien release notarized paper from Hyuandai. Hyuandai is refusing to overnight me this paper after auto was paid off over 1 year and 3 months now. I have made numerous calls, heard Hyuandai blame me and the XXXX for errors.
Consumer complaint received 2023-05-06
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. (MD)

This is my 10th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-03-16
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-06
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. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XX/XX/2023 {$550.00} XXXX XXXX XX/XX/2023 {$1600.00}
Consumer complaint received 2023-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I have tried over and over submitting and sending these documents for this dispute please help sending this over as its been very frustrating. I will be getting my attorney involved.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (VA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-16
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

Hi On XX/XX/year> I utilized the Zelle application through XXXX  XXXX XXXX website ( Desktop ) using the to transfer {$2500.00} to a business acquaintance ( $ XXXX {$1000.00} ). I have provided correctly the name of the intended recipient of the funds XXXX XXXX XXXX and the recipient phone number. 
Later on I found out that, I transposed two of the numerals comprising the intended recipients telephone number. ( I listed the number as XXXX, the correct number is XXXX ) As noted, the name of the recipient is correct. 
I am advised that the funds did NOT reach the intended recipient. Rather, the funds were sent to a person who was a stranger to me and who should not have received the funds. I have attempted to reach this person, without success. 
As indicated, I used the XXXX  XXXX XXXX website for this transaction. The website has no feature whatsoever to verify the accuracy of the recipients identity, Importantly, I note that only the mobile app DOES offer a verification feature. 
It is clear, then, that Zelle understands that innocent mistakes can be made by their customers, and the mobile app quite appropriately provides the protection of verification. 
However, this feature is absent on the desktop, to the detriment of bank customers generally and to my specific disadvantage. It is common knowledge that even the most careful user may input information in error. 

I already contacted the person who received that money and also XXXX XXXX which is the bank of the mistaken recipient. 
All conversations with Zelle and Zelle response attached.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax is reporting a delinquency from XXXX XXXX. The first day of delinquency is incorrect. The information is old and should be removed, however Equifaxs system will not allow me to dispute it. XXXX XXXX has not removed it.
Consumer complaint received 2024-03-16
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. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

on XX/XX/year> there is a charge of {$5700.00} charged on XXXX/XXXX/202. i contacted my bank, bank of america right away and reported it as fraud because this is an unauthorized charge. the bank filed a dispute claim for it and advised me to reach out to the merchant in the meantime which i did. the merchant XXXX sent me to their fraud headquarters department where they did a full investigation and emailed me back a letter stating that they were not able to locate this charge in their system and they advised me to reach out to my bank. i called my bank and supplied them with the letter that i received from XXXX. about 4 days later the bank mailed me out a letter saying that there was nothing they can do for me. i explained to them that this seems to be a breach that was reported during that time and that even my debit card was replaced during that time. they did confirm there was a breach during that time and still went on to say that there was nothing they can do for me. i have a personal and business accounts with this bank and have been a member with them for a long time. they are supposed to ensure my money and refund any breached funds or problems on my account. i am reaching out to your company for help. this was a large amount of money and i work very hard for my money. please help me get my money back.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In according to the fair credit reporting act. XXXX account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I see a total of six hard inquiries with no details as to where or how they got there. I would like these six credit inquiries to be removed from my credit report immediately. please and thank you.
Consumer complaint received 2023-03-25
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. (LA)

XXXX The XXXX XXXX XXXX. Sent in multiple disputes no knowledge of this account and noticed activity dates are different from XXXX and TransUnion.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

The address is invalid on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this address. 
The correct address should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (PA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX  XXXX XXXX Balance : {$23.00} XXXX  XXXX XXXX XXXX : {$25.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00}.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (CA)

This is my follow-up attempt to complain about me being a victim of Identity Theft. I want you to remove or block these items that are erroneously reported in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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)

i recently logged into my Experian credit file for to see a fraudulent XXXX  XXXX XXXX account reporting a debt amount of {$1500.00}, i've made several attempts for an investigation from Experian, approx 10 mins after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

My apartment building had made some mistakes and offered me a {$500.00} gift card to make up for the issues I had been having. I received the gift card in XXXX and about a week after I went to use it. Not only had the card been used but has been used in its entirety out of a store in Texas when I live in California. I reported the issues to vanilla gift cards on XX/XX/XXXX and a case number was assigned via email XXXX. Since then, I have called and emailed asking for updates with 0 correspondence.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (NC)

XXXXXXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX, {$5900.00} XXXXXXXX XXXX XXXX {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Consumer complaint received 2023-12-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (LA)

On XXXX XXXX  I was informed via credit report that a collection notification from Credence Resource Management in regards to doing business with XXXX XXXX the amount of {$110.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt and furnish it without validation or verification of the debt, I Do not owe to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;