davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C. (TX)

I broke a lease agreement with XXXX XXXX XXXX XXXX After some back and forth, they determined this to be an uncollectable debt and they issued a 1099. They originally sent a 1099-misc, indicating I had received a {$17000.00} payment from them. I notified them that they should have sent a 1099-c ( notice of debt cancellation ) and they assured me that they would send me the correct form to indicate they " gave '' me over $ XXXX. Of course, they didn't " give '' me any money. They " gave '' me this money in the form of debt forgiveness. Both my XXXX and XXXX reports indicate I owe them the money that they " gave '' me, which is now considered taxable income for 2022.XXXX XXXX is aware of this, but now the Law Office of Brett M Borland is not only harrassing me, but my friends as well.
Consumer complaint received 2023-11-19
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. (MD)

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.

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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We made our last mortgage payment with Loancare Loan Number : XXXXXXXX XXXX XXXXXXXX and we were advised late by LoanCare that new Mortgage was under XXXX XXXX. 
XXXX XXXX to date has never received payment from LoanCare to-date. 
XXXX XXXX with Loan number XXXX has put us in delinquency status because LoanCare has not paid them the last payment we made in XX/XX/XXXX. 
We have made several phone calls to LoanCare and seems that every time we call customer service is outside US and hang up on us. Several emails made to LoanCare but never got resolved. 
We were never delinquent in our Mortgage payment since XXXX. 
We need your utmost support on this issue.
Consumer complaint received 2023-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (SC)

I requested information regarding the new " XXXX XXXX XXXX' program, from Ascendium, one month ago via a phone call and email. They requested that I contact XXXX for more information on the program. Today, I received a letter stating my loans are being transferred to XXXX per MY request to begin the " XXXX XXXX  '' program ( see attachment ) - I never made such a request. This would bring my XXXX loans out of rehab status. I would lose certain XXXX loan protections ( not including payment due ) by pulling them out of their current status- this was reiterated to me by a communication from Ascendium last year. ( I can provide the email if need be. ) Again, I did not request for my loans to be moved out of their current status and transferred to XXXX ( or another servicer ). Finally, I want my loans to be held in their current status with Ascendium until the payment moratorium comes to an end. The actions I have taken to resolve this matter were speaking with an Ascendium representative ( XXXX XXXX ).
Consumer complaint received 2023-11-20
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. (DC)

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.

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 2018-10-21
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. (WA)

To Whom It May Concern, In multiple attempts with Experian, I have submitted disputes across 8 accounts that were included in a Chapter XXXX bankruptcy that was filed in XX/XX/2016 and subsequently discharged in XX/XX/2016. These accounts were in good standing with no late payments up to and including the time of the bankruptcy. Experian continues to report these accounts as " Charge Off '' in the payment history which does not accurately reflect that state of these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) of a credit bureau report of an account that has been discharged in bankruptcy as " charged off as bad debt. '' We acknowledge receipt of your request, pursuant to the Commission procedure set forth in 16 C.F.R. 2.2 ( a ), for an investigation of the credit bureau. 

Section 607 ( of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

The latest dispute reference number is XXXX. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-04-24
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)

I have already filed a formal complaint with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXX  case # XXXX. The CFPB reached out to XXXX, and XXXX responded with a scripted response and did not make the corrections to my report. I have now hired an attorney who is filing a class action law suit against XXXX as I am currently being denied credit due to this incorrect information. 

My initial complaint for your review : On XX/XX/XXXXXXXX   I submitted a complaint to the CFPB to investigate XXXX for incorrect reporting. The CFPB closed the case after XXXX responded without making the necessary updates. XXXX simply sent a standard computer generated response saying I would be notified by mail. As I mentioned in my XX/XX/XXXXXXXX  complaint. XXXX has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. I submitted letters from the Superior Court of California Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for XXXX XXXXXXXX has made the fatal mistake of ignoring that judges order. I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. XXXX unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves.
Consumer complaint received 2019-06-04
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. (PA)

I submitted a Dispute at the hard inquiries on my credit report from banks and creditors I did not apply for.. 
I have disputed the information twice and only got one response, which they refused to furnish any viable proof of this inaccurate information According to the ( FCRA ) section 611 and 609 .... 
The reporting agencies are supposed to furnish the original instrument barring my wet ink signature or any contact that I have signed.. 
They never furnished any proof according to the guidelines of the ( FCRA ) In addition they never showed proof of any investigation or their methods of investigation which I am entitled to
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, 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)

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  ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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 2023-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank closed my Checking Account with no notice, the checking account simply disappeared from my Chase Account including all statements and notices from the past. I can not cancel my Direct Deposit to this checking account at my workplace because they require my account number and other banking information that I can not retrieve due to the account being 'paperless '. 

I have had direct deposit from my Work to this account for years with no issue and use the funds in the account to pay off Chase credit cards. 

My paycheck was wired to this checking account today XXXX and I can not access the account or funds to pay my bills. 

I contacted Chase bank today XXXX and talked to multiple reps. 

The first rep gave me a second phone number to call to try to reactivate my account, assured me that I will be able to gain access to my account when I called the phone number with no issue and was told not to worry. She further explained that my account was closed due to inactivity, which does not make sense considering regular direct deposits to this account. The rep confirmed that was direct deposit was wired and deposited today XXXX. 

Calling the second phone number XXXX I was told by the second rep that my checking account can not be reactivated by calling this phone number and that I would be required to physically visit a Chase Branch to make my case to them. 

To summarize, I can not access my paycheck due to Chase deactivating my checking account with no notice. 

Thank you
Consumer complaint received 2023-11-20
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. (TX)

The company did not provide the proper paper work to verify the accounts still being reported. Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on and I received a response stating that the accounts were verified however I do not have a copy of my wet signature indicating so. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.
Consumer complaint received 2023-05-10
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. (AZ)

I sent a letter on XX/XX/XXXX XXXX XXXX. Here is the Tracking number XXXX, to Transunion tracking number XXXX. I sent a second letter on XX/XX/XXXX tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information 's. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Consumer complaint received 2023-11-20
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. (NC)

Credit report deletion letter In accordance with the Fair Credit Reporting act the following listed creditors listed below have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 


Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/XXXX Amount : {$600.00} Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX Sold to XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX Account # XXXX Balance Updated XXXX XX/XX/XXXX Amount : {$0.00} Name : XXXX  - Purchased by another lender XXXX XXXX XXXX  Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00}
Consumer complaint received 2024-03-26
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IN)

I never open this dispute but merchant made a refund and then Synchrony Bank opens a dispute and tells me and the merchant that I filed a dispute when I never did! 

NOT SURE WHAT OR WHY THEY OPEN THIS DISPUTE WHEN I NEVER CALL TO DISPUTE THE CHARGES OF {$280.00} Original Message -- - From : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Payment Disputes I GET AND EMAIL AND BELOW IS THE EMAIL? WHAT IS THIS ABOUT EXCEPT MORE ISSUES WITH YOU? Your dispute claim is open. claim_received Claim XXXX XXXX XXXX XXXX We wanted to let you know we? ve received your claim. Here 's what we've done so far :? Opened a claim for the disputed charges. There? s nothing you need to do at this time. If we find we need more information, we may ask you to provide supporting documentation. You will receive a letter with additional details if this is needed.? Updated your account to reflect the disputed amount. During our review, you won't have to make payments on the amount you've disputed. We've updated your required minimum payment accordingly, and no fees or interest will accrue on your disputed charges during our review process. Don't forget : Please continue to make your minimum payment by your due date to keep your account current. What's next? Our team will evaluate your claim and let you know the outcome. Please allow us up to 60 days to resolve this issue on your behalf. We'll be in touch as we continue working to resolve your claim. Rest assured, we? re working to resolve this matter as quickly as possible.? Your Synchrony Customer Care Team THEN I GET THIS REPLY FROM THEM AFTER I SENT THE ABOUT MESSAGE : XXXX XXXX, Thank you for your recent inquiry regarding your CareCredit account. We appreciate your message and the opportunity to be of service to you today. 



We apologize for any confusion. I will be glad to help you with the information. 

Our records indicate that a dispute claim is opened on your account for the purchase of {$280.00} dated XX/XX/XXXX. Any time that a purchase is disputed or re-disputed, we are required to send you an acknowledgement letter regarding your dispute, and the dispute time frame is restarted. 

I hope you find this explanation helpful. Please feel free to contact us in the future should you have any additional questions. 

Thank you for contacting us and allowing us to address your concerns. If you have any questions or if we may be of further assistance in the future, please contact us via the XXXX XXXX XXXX XXXX XXXX XXXX. We value the opportunity to assist you and appreciate your feedback. 

Sincerely, XXXX Customer Service Account is owned by Synchrony Bank