davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2023-08-29
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. (MI)

I am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covid 's forbearance period. I have listed the late payments on my report. I was removed because I'm a victim of covid-19 and legally you should not have put them there. Failure to comply is a direct violation of FCRA section 623,15 U.S.C. 1681s-2 ; 12 CFR part 1022, sub part E ( U.S. Code 1581s2 ( F ).
Consumer complaint received 2024-04-19
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. (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting.

2. **Failure to Furnish Form 1099-C** : The agency did not provide the Form 1099-C required for accurate tax reporting, exposing me to potential tax compliance issues.

3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures.

4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805.

Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Consumer complaint received 2020-07-09
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. (TX)

Company or Organization : XXXX XXXX XXXX Account Number:XXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX  XXXX, XXXX  Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc
Consumer complaint received 2024-04-19
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. (CO)

Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-Off. 
XXXX XXXX ( {$1600.00} ) XXXX AND EQUIFAX I am formally disputing and requesting the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency from my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, or any lines of credit. 
It is critical to highlight that I have never entered into any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7, along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-12-21
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. (CA)

In XX/XX/XXXX I contacted XXXX, XXXX XXXX TRANSUNION asking them what their procedure is for obtaining bankruptcy information on consumer reports. I let them know that I was not disputing the information, but I wanted to know the process. I also reach out to XXXX requesting the same. XXXX responded with a notice of deletion and attempted to contact all three reporting agencies. TRANSUNION replied to XXXX with a notice of deletion as well, however it has not been deleted of my TRANSUNION consumer report. XXXX XXXX XXXX have refused to respond to XXXX and have not deleted the bankruptcy off my consumer profile. I am aware that the reporting agencies have and are continuing to violate my privacy per " The Privacy Act of XXXX ''. I did not give any authorization to place my private information on my consumer profile. The court system and PACER do not supply reporting agencies with bankruptcy information as I have written confirmation from them stating this. XXXX is responsible for obtaining and distributing these types of records to XXXX, TRANSUNION XXXX XXXX. This is a complete violation of my consumer rights and I demand for this to be removed from my credit report as XXXX has deleted it from their records.
Consumer complaint received 2023-08-29
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. (MI)

I am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covid 's forbearance period. I have listed the late payments on my report. I was removed because I'm a victim of covid-19 and legally you should not have put them there. Failure to comply is a direct violation of FCRA section 623,15 U.S.C. 1681s-2 ; 12 CFR part 1022, sub part E ( U.S. Code 1581s2 ( F ).
Consumer complaint received 2024-04-19
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. (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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-04-19
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. (MA)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX ACCT # XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I XXXX follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Within the next 15 days, I am obligated to update my credit reports. I am forwarding this complaint to you for the purpose of inquiring about the status of my previously submitted complaint dated XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are mandated to expeditiously remove any items in the consumer 's file that the consumer identifies as information resulting from an alleged identity theft, not later than XXXX business days after the date of receipt. They are also required to eliminate any items listed on an identity theft report with the reference number # XXXX. Kindly review the items detailed in this complaint and the preceding XXXX : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- -- -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian on this matter on XX/XX/XXXX, XXXX asked the representative about the steps I had to take to properly dispute this item, but they placed me on a long hold. I had to go back to work- so I hung up believing that I could dispute online. When I tried to place a dispute online, I was given an error message saying I couldn't dispute the item.
Consumer complaint received 2023-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sonnek & Goldblatt, Ltd. (OH)

I received notification that my wages were being garnished because of medical debt, the situation is complicated, but I was advised to settle with the law firm -- XXXXonnek and Goldblatt. I have the terms of our agreement in writing, and made the payment to settle the debt as in our description. The payment was made on XX/XX/27. My wages were still garnished for the pay date of XXXX, and the firm claims that the money will be 'returned ' but can't give me a timeline as to when, or alternative options if my wages continue to be garnished.
Consumer complaint received 2024-04-19
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 USC 1681 C-2 XXXX XXXX # XXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have carefully reviewed my credit report and can confirm that this account was paid in full and should not be labeled as a charge-off. The payment history for this account reflects that it was settled and closed with a XXXX balance. I was the victim and Im not sure why the CRA is not complying with the law. Therefore, I request that you investigate this matter and correct the inaccurate information on my credit report. I need this account to be updated as it was ruining my financial standing and staining my credit report due to its inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX This account was never a charge-off. Account was paid in full. 
I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. The inaccuracies in reporting have adversely affected my credit score, and I believe that correcting this information is essential for an accurate representation of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I appreciate your prompt attention to this matter and request that you complete the investigation within the 30-day timeframe stipulated by the FCRA.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America increased annual fee on XXXX  XXXX card to {$95.00}. Fee posted on XXXX statement with a due date of XX/XX/XXXX. Called in to cancel card of XX/XX/XXXX and have annual fee credited, account had a {$0.00} balance not including the new fee. Card member agreement states fee will be credited if closed within 30 days of statement date where annual fee appears. Agent confirmed fee would be credited and closed card. Received XXXX statement, only {$25.00} of the {$95.00} annual fee was credited, the remaining {$75.00} was not, in addition I was charged a late fee and interest. Called in XX/XX/XXXX after receiving statement, agent stated error would be corrected and account would be credited to {$0.00} within XXXX hours. XX/XX/XXXX still showing {$71.00} due called in again, again promised would be corrected to {$0.00} balance within XXXX hours. XX/XX/XXXX, no credit, my other bank of America accounts now showing a warning of late payment due to this account, statement is due today. Not wanting my other accounts effected I pay the XXXX. I received new statement XX/XX/XXXX with no statement credit as promised multiple times and addition interest charge of {$1.00}. I have wasted enough time on this, I am due a refund of {$72.00} for the annual fee that was required to be credited per the cardmember agreement, I request this to be sent to me via check and the account show a XXXX balance and closed.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NH)

I had a Care Credit Card with Synchrony Bank for over 5 years and have only used this card for medical purposes, mostly the XXXX. I never missed one payment or went over the {$1000.00} credit limit the card had. On my credit report it states all my payments are 100 percent. I have lived in my home for over 40 years now. My husband left me over 8 years ago with a lot of debt and instead of filing bankrupcy I went through XXXX XXXX XXXX to pay the money back and settle all accounts. I have paid {$400.00} on this debt for over 4 years now without one missed payment and will graduate in a few months. Nothing has changed since I got my Care Credit Card, just the money I owe on my home which goes up and down as the taxes get paid, and by closing this account with no notice not only have they put my health in jeopardy but they have destroyed my credit score with no good reason behind doing this. I was shocked when I got an email from Synchrony Bank saying they had closed my Care Credit account with no notice. I owed NOTHING on this account at the time they closed it I had paid it all off like I always do. I have worked tirelessly to try to get my credit score where I can finally fix up my home which I have lived in and paid for for over FORTY YEARS.This account should have never been closed and I think banks get away with doing a lot of things that hurt people more than they help people. Doing business with Synchrony Bank has hurt me, not helped me.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Nationstar has refused to release my much needed insurance claim funds that are required to repair my fire damaged property. Have spoken with countless agents in the Loss Draft Department and managers in the corporate Customer Service Department only to be given a further run around. Nationstar has held on to these funds for over a month now without releasing any funds for the remediation of my property. Had been told that the reason they ca n't release the funds to me is because the state of Virginia where I live requires a licensed contractor to do the repairs. Title XXXX in the code of Virginia allows for Homeowners to repair their properties without the need for a contractors license. This has been a very horrendous experience and definitely is a bad faith and deceptive practice.
Consumer complaint received 2023-12-21
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. (NC)

This is my last Complaint trying to rectify the issues pertaining to the unauthorized information on my credit report through this avenue. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was 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 information relating to any transaction by the consumer ; which have ALL been provided to you before. [ See attachments ] All information needed to rectify the issue are in the attachments in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following is a brief summary of the unauthorized information and accounts that do not belong to me and should be removed from my credit report immediately. 
-Nonmailable Addresses -Unauthorized Accounts -Unauthorized Inquiries THIS IS NOT MADE IN ERROR!!!!!!!!! I REPEAT THIS IS NOT MADE IN ERROR!!!!!!!!!