davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-25
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: JPMORGAN CHASE & CO. (CA)

Talk to this company, several different times, asking them to close my account and make payment arrangements with me they would not I also talk to managers they would not help me either told me I qualified for hardship program and then transferred me to credit counseling more than once I have close the account but they are still charging me late fees and high interest rates I just wan na be able to make a reasonable payment a month.
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: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana DMV Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX  | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (IN)

Robinhood Account : XXXX, Since XX/XX/XXXX I have my brokage account restricted with no access to withdraw, sell of buy on the platform. 
I have contacted Robihood and I talked to an agent to respond all the security question and provided evidence that I am the owner of the account. 
Until now my account still locks, I don't have access to my fund.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. 
These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (NY)

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX {$480.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Has violated my rights. Or 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 2024-01-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

So this debt collector is impossible to get a hold of and they are charging me every month as the debt increases this lease was handled all wrong me and the leasing coordinator agreed that I would move early and return apartment even after this they falsely claimed I was there and collected rental relief that the state was giving during COVID 19 in which they were in agreement upon taking any relief funds that they could not go back later and charge any tenant with eviction or seek unpaid rent in which many landlords are and hireing these collectors to try and collect a debt thats been handled making me a victim of there fraud and abusing the system and expolitong me and hundreds of others
Consumer complaint received 2023-09-25
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. (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 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 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

Hello, on Friday XX/XX/XXXX I deposited {$1000.00} into a TD bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Being as though the ATM showed the correct amount deposited I selected no receipt. As I returned home I noticed only XXXX XXXX posted to my account. I immediately contacted the branch and received absolutely no help from the representative as she stated only a manager is able to look into things of this nature, and she stated that location had no manager at all. The employee was extremely rude and shoved off my problem, as if it did not exist I later discovered that location did have a manager. She was just not in at the moment even though the representative told me they had no manager employed at that location. I then proceeded to contact TD Bank phone support and file a claim. I kept in contact with the branch and several other branches to see what could be done with the situation I received no help and no update. On Wednesday, XX/XX/XXXX the claim was denied at XXXX XXXX. there is absolutely no way that the claim should be denied as far I put in {$1000.00} inside of the ATM. The ATM was not audited before the denial of my claim. The ATM is scheduled to get audited on Thursdays my claim was denied on Wednesday from the reason stating internal research. I would like for TD to fix this mistake from their employees. As far I am positive that I put in {$1000.00} inside of the ATM and if this can not be fixed legal proceedings will occur. as a new customer with TD, I am extremely disappointed in the services that Ive been provided from customer service to the tools available. I will not accept losing {$1000.00} to a ATM.
Consumer complaint received 2024-04-24
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-24
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. (FL)

XX/XX/2024 - {$2200.00} The company has deleted this item from XXXX. 

XX/XX/2024 - {$1400.00}. The company has closed this item on TransUnion. 

XX/XX/2024 - {$2200.00} is still reporting on XXXX and TransUnion XX/XX/2024- {$1400.00} is still reporting on XXXX, XXXX and TransUnion
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The following corporations and agencies have violated my consumer rights, and I will be using every remedy under federal consumer law : They have ignored every letter of online activity that was sent to them to recognize their fault in this manner : Portfolio Recovery XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX : Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that your agency provide detailed verification of the alleged debt, including the original creditor 's name, the nature and amount of the debt, and any relevant contractual agreements. Failure to provide such verification will be considered a violation of my rights, which he still has not provided today. 
In light of the lack of a contractual relationship and unauthorized access to my private information, I request that your agency cease all communication with me regarding the alleged debt. Any continued attempts to collect on this debt without proper verification will be considered a violation of the FDCPA. 
I expect your agencies to conduct a thorough review of this matter and provide a written response within [ a reasonable time frame of 14 days ] addressing the concerns raised in this complaint. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights. 
According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Transunion on day XXXX XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX And here is my tracking number : XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( XXXX ) 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 reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and i have evidence to prove my case.
Consumer complaint received 2024-01-17
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: Volvo Car Financial Services U.S., LLC (TX)

I submitted a formal complaint to Volvo Car Financial Services regarding the inaccurate reporting of a charged-off account on my credit report. Specifically, I raised concerns about the company 's failure to provide the required Form 1099-C for the canceled debt, as governed by the Internal Revenue Code ( IRC ) Section 6050P.

In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. The reporting of canceled or forgiven debt, including the issuance of Form 1099-C, is governed by the Internal Revenue Code ( IRC ). Specifically, the relevant section is found in Title 26 of the United States Code. The primary provisions related to cancellation of debt income and reporting requirements are outlined in IRC Section 6050P.

Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness.

IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy.

IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable.

Despite this request and the company 's commitment to resolving the matter, Volvo Car Financial Services has not provided the necessary documentation.

The inaccuracies in reporting have the potential to impact my ability to accurately report canceled debt on my income tax return. The company 's response did not address these concerns adequately, and as of the current date, the issues remain unresolved.

I appreciate the opportunity to provide this information as part of the complaint process. I request the issuance of Form 1099-C for the charged-off account promptly, in accordance with IRC Section 6050P. If further details or clarification are needed, please feel free to reach out to me XXXX XXXX XXXX XXXX at XXXX email XXXX and mail the 1099 c copy to XXXX XXXX XXXX # XXXX XXXX, Texas XXXX
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was charged an overdraft fee on XXXX/XXXX/16 and my account was never negative. I had XXXX or XXXX transactions on hold that were pending and they did not clear that night and yet I was charged {$35.00}. I also had a direct deposit come in and still I was charged. I logged into my account and talked to a representative and she is saying that even though a charge is pending they will charge an overdraft fee even if it does not clear and, y account was not negative. This is robbery!!! How can I be held accountable for something that has NOT cleared and may not even go through, it might just be a hold. Bank of America did not do this in the past and now they are. They have not informed customers of this change. They rep informed me that in the internal system it should the available balance was less because of the holds but on what the customer sees on the online banking the account is at a positive and is current. They can not deceive customers like this!
Consumer complaint received 2024-04-24
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. (NJ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. There is a late payment reporting on XX/XX/year> which I know for a fact was paid on time. The consumer reporting agency needs to report all information with complete accuracy. I'm now requesting that the late payment reported on XX/XX/year> be updated to paid on time immediately. I recently contacted my creditor to discuss the late payments listed on my account, and they confirmed that I have no late payments in. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action. I have included the account number below. 

Account # : XXXX
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I HAVE RECEIVED FUNDING FROM XXXX XXXX HAF PROGRAM TO PAYOFF AND ESCROW SHORTAGE. THE FUNDS WERE SENT ACH ON XX/XX/. SHELLPOINT RECEIVED THE FUNDS ON XX/XX/. ON XX/XX/XXXX  AND WAS TOLD THAT THE FUNDS WILL BE APPLIED TO THE ACCOUNT, AND AT THIS TIME THE GOVERNMENT FUNDS HAVE NOT BEEN APPLIED TO THE ACCOUNT. ATTACHED T THIS COMPLAINT IS A REQUEST LETTER OF HOW THE FUNDS SHALL BE DESPERSED ACCOMPANIED WITH THE LETTER FROM XXXX XXXXXXXX OF HOW MUCH MONEY THAT I HAVE RECEIVED. I AM REQUESTING A FULL INVESTIGATION AS TO WHY SHELLPOINT IS HOLDING THE MONEY AND IS NOT APPLYING THE FUNDS. I AM ALSO SEEKING LEGAL REPRESENTATION BECAUSE I CONSTANTLY HAVE REOCCURRING PRBLEMS WITH SHELLPOINT MORTGAGE. 
PLEASE ADDRESS THIS ISSUE ACCORDINGLY, XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft ; my information was exposed to the public in the XXXX data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.