davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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: DISCOVER BANK (TX)

I pulled my Consumer reports from XXXX, XXXX XXXX XXXX and I noticed Discover has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form 1099C must be issued to the consumer. I recently contacted And spoke to a representative and was informed that this account was sold to a collection company. This account has been Discharged by DISCOVERBANK__ and I need to file the 1099c form with the IRS as income. An account can not be a charge-off and a collection at the same time. DISCOVERBANK has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . DISCOVERBANK as a furnisher of information, is prohibited by law from reporting inaccurate information. The IRS defines a Charge Off as canceled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FEDChex Recovery, LLC (FL)

I submitted a complaint through the CFPB against this company in XXXX, 2023 regarding a debt that was previously adjudicated through my credit card. I was advised by the company, through this website, that my account was closed. 

Today, XX/XX/2023, I received written notice from the company regarding same debt. When I attempted to dispute it online, as the letter said I could, the website directed me to call - I have no idea why they say disputes can be completed online when all their site does is refer people to call. 

I did call, was not able to understand the persons name, but the call was placed at XXXX EST. I provided the account number on the letter and was advised that the company was told XXXX week ago not to contact me ( this is not true - I received notification in XXXX this was over ) They are still trying to contact me after saying they would stop - she assured me I would not receive anything else, but they did that in XXXX. This needs to stop. The debt was already adjudicated.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Pursuiant to : XXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX XXXX  ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXXXXXX XXXXXXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Transunion is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discoverd that the were in violation by seeing a notice that they had posted on their website before the removed it
Consumer complaint received 2024-05-15
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: DISCOVER BANK (TX)

I pulled my Consumer reports from XXXX, XXXX XXXX XXXX and I noticed Discover has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form 1099C must be issued to the consumer.

I recently contacted And spoke to a representative and was informed that this account was sold to a collection company.

This account has been Discharged by DISCOVERBANK__ and I need to file the 1099c form with the IRS as income.

An account can not be a charge-off and a collection at the same time.

DISCOVERBANK has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . 
DISCOVERBANK as a furnisher of information, is prohibited by law from reporting inaccurate information. 
The IRS defines a Charge Off as canceled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (GA)

Hi, I am writing regarding a XXXX Ford XXXX that I purchased on XX/XX/XXXX in XXXX XXXX at XXXX XXXX. The VIN is XXXX. 

On or about XX/XX/XXXX, the vehicle began showing signs of engine trouble. About 3-4 days later, to the best of my memory, I took it to the shop where I purchased it and was told it needed a new engine. It was not drivable. It has been parked behind the dealership ever since. 

I purchased this vehicle specifically for my real estate business and have incurred trouble making the payments. I phone Ford Credit and they informed me there was nothing they could do. I phoned Ford Customer Service and they said they would look into it. 

I do not feel that I should have to make payments on a brand new vehicle that I can not access and that the bank and manufacturer can not provide relief to the problem. 

Please tell me who I need to speak to. 

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. (FL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (FL)

XX/XX/XXXX I applied for a refinance, I was told that XXXX XXXX XXXX had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe XXXX XXXX XXXX anything. Just found out that XXXX XXXX XXXX has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by XXXX XXXX XXXX.
Consumer complaint received 2023-09-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NY)

On XXXX of XXXX, I made a final payment to my XXXX  account all devices were paid off except for 1. Which was an XXXX XXXX XXXX  XXXX that I still pay XXXX to this day. I receive a message from the credit reporting agencies that I owe a debt to a debt collector of a substantial amount. I call the collector and they tell me they can not verify the debt claimed to be mine and that I did not make any payments towards these devices, also stating that a final bill was not payed because it was not generated.
Consumer complaint received 2023-11-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NVR INC. (GA)

I applied for a mortgage with NVR Mortgage Inc to purchase with their sister company XXXX XXXX XX/XX/2023, I received an initial disclosure and made mention to the sales agent XXXX XXXX for the sister company I would not be able to come up with the funds disclosed in that initial disclosure, she then had XXXX XXXX reach out to have a conversation with me about this where I made note to him I would not be able to accomplish what the initial disclosure was requesting he assured me that was not accurate and he would get things to work. On XX/XX/2023 i received another loan disclosure from XXXX XXXX the loan officer to which I needed to sell my car and/or pay off a loan to be able to qualify for the loan, I made attempts to get quotes on my car to which was too expensive and I further realized I would need my car for medical purposes. We then discussed trying to add a coborrower to try and qualify to which we did try to add XXXX XXXX on XX/XX/2023, on XX/XX/XXXX we switched from a ready to build home to a ready to move in home, and the process sped up, on XX/XX/2023, we received a further disclosure which again required me to pay off debt and bring a certain amount to closing to which I again told XXXX I was unable to meet, we notified NVR Mortgages and XXXX XXXX of this on XX/XX/2023. At this time after speaking to my realtor, we decided to terminate purchase since I was unable to meet qualifying/closing terms of the loan. NVR Mortgages inc in partner with their sister company refused to provide me with a loan denial letter per federal law which would state i was unable to meet loan requirements ( lower DTI and bring closing funds ). This therefore has allowed their sister company to state I defaulted on contract to purchase home in termination of the contract thus keeping my earnest money of {$7700.00}.
Consumer complaint received 2023-02-19
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (GA)

there are multiple hard inquires on my credit report that i did not authorize and should be removed immediately. 

i have sent a cfpb complaint 1 month ago and the issue still hasnt been resolved. below are the inquires that i did not authorize and that should be removed immediately. 

XXXX XXXXXXXX XXXX pulled from experian XXXXXXXX XXXX XXXX pulled from experian XXXX XXXXXXXX XXXX pulled from XXXX XXXX XX/XX/XXXX pulled from XXXX ID THEFT VICTIM I HAVE FILED AND CREATED A REPORT ON IDENTITYTHEFT.GOV PLEASE SEE THE ATTACHMENT BELOW ABOVE ARE THE INQUIRES THAT SHOULD BE REMOVED
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. (IN)

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " PAYMENT HISTORY '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active monthly payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable Consumer Protection Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (MN)

Violation of my rights 15 USC 1681 Over the course of 3 months i have sent sveral letters to the reporting agency to investigate and remove these negative items on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are erroneously being reported, i have pointed out these erros over multiple letters to them, but they refused to remove these items, The reporting agency can not verified these items as required by FCRA Laws 15 USC 1681, there process of verification of this item is adequate and incomplete therefore As per FCRA Laws- 15 USC 1681, credit reporting should be accurate and correct, therefore i belive my rights are being violated.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXX verification that you utilize is faulty ...
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (AZ)

I was taken by XXXX to XXXX ( AZ ) XXXX XXXX on XX/XX/XXXX for a XXXX XXXX XXXX and remained there for a week. On or about XX/XX/XXXX I received an invoice from a billing department or company saying they represented XXXX XXXX XXXX I have XXXX and XXXX. The bill was for a total of {$45000.00} The form stated I owed a balance of {$1300.00}, which was a surprise. I tried almost immediately to determine the basis for the {$1300.00} and never got an answer. Instead, fromXX/XX/XXXX through today I was contacted in writing by six ( 6 ) different debt collectors, each demanding the name amount. Each time I wrote a letter demanding to know how the debt amount was determined. None of the debt collectors responded. Instead a new debt collectors showed up. A few months ago I opened an account on XXXX XXXX and was horrified to see that a debt collector by the name of Central Portfolio Control posted a collection for {$1300.00} to by XXXX credit report with a new date of " Opened XX/XX/XXXX'' - more then 4.5 years after the last date of last action. There is no address listed for the company on XXXX XXXX. Three times using the dispute function I disputed the debt with XXXX. The only replies were verified by creditor. Besides this being a surprise bill from XX/XX/XXXX, both XXXX and Central Portfolio Control are intentionally mistating the date of the alleged debt and intentionally harming by credit record and XXXX score.
Consumer complaint received 2017-06-17
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: AES/PHEAA (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently paid off and some were consolidated, but the negative accounts that have been reported are hurting my scores.
Consumer complaint received 2023-11-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TN)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX is trying to collect a debt of 1 month rent. 2 years ago I applied with them and was approved by XXXX office manager. The next day she was fired for fraudulent activities and I was never contacted about an apartment. I was told she was fired and that I would have to reapply and get another agent. I refused, then moved into another set of homes .A year later they are on my credit report for 1 month of rent because I didn't reapply but they kept my application money. I called and asked the OWNER HOW CAN YOU SUE ME FOR 1 MONTH OF RENT THAT'S ILLEGAL. I NEVER MOVED IN OR VIEWED A UNIT. MY AGENT WAS FIRED AND I HAVE A LEASE FROM MY NEW PLACE. I NEVER LIVED THERE. This is an apartment scam. I know of 2 other people who have had similar incidences.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I determine the accounts listed below be removed because according to 15 US C 1681 : I have the right to privacy and I did not give Equifax within permission to furnish the accounts Equifax Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : XXXX XXXX XXXX Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : XXXX XXXX XXXX Condition : XX/XX/2023 XX/XX/2023 XX/XX/2023 Responsibility : Individual Individual Individual Remarks : Account # : XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$1100.00} {$1100.00} {$1100.00} Type : Credit Card Credit Card Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend >> XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$180.00} {$180.00} {$180.00} Type : Credit Card Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend >> unkown XXXXunkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$1600.00} {$1600.00} {$1600.00} Type : Charge account Charge account Charge account Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend XXXX> unkown XXXXXXXXunkown
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Im deposit XXXX, and the company lie, sayin XXXX, i need the video recording, for the atm to show you, i have XXXX bills of XXXX and no only 2 wath the bank say, my money is Stolen from the bank