davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit report appears to have been corrupted. I was looking through my records once more when I discovered a lot of information, accounts, and other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Remove these files immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : {$7500.00} Date Opened : XX/XX/XXXX. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % true, accurate, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation can be resolved quickly.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Over the past few years, I have attempted multiple times to dispute two charge off accounts off of my credit reports reporting to Experian. Both of these accounts are showing going to a XXXX XXXX XXXX XXXX. I have informed Experian multiple times that these accounts do not belong to me and should be removed from my credit report. The last time I disputed these two accounts was in XX/XX/XXXX. I have not gotten any type of change on my credit report for these fraudulent accounts being reported and every time they complete an investigation, they just send me an email stating the investigation came back as the information being accurate and never send me any information as to what information was provided to prove that the accounts are accurate and that the accounts belong to me. As to my recollection, Experian is supposed to provide information directly to me from the investigation as to what they were provided to prove that these accounts belong to me and they have never done so. The first time that I disputed these accounts with Experian was in XX/XX/XXXX. At that time. I was also given the same answer to the investigation, and no results or changes were made to my credit report
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (FL)

Barclays Bank Delaware is reporting a credit card as a charge off on my XXXX credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ACCOUNTS. UNDER XXXX XXXX CODE XXXX THE ITEMS SHOULD BE BLOCK AND REMOVED.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

I actually want an investigation done on XXXX as well as lvnv funding LLC for one i don't have. A contract with them so why do they know all my info someone must have leaked or sold gave info about me illegally number 2 is they lvnv contact me through mail phone calls long after I told them to stop bothering me we have no contract as for XXXX they completed an investigation prior and found that lvnv was operating with in the guidelines what? Excuse me? Third party debt no, contract with them hows this ok idenrify theft as well
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I made a {$63.00} payment to this card on XX/XX/XXXX using my checking account. When I logged in this month to make a payment it shows that I am over 30 days past due and when I checked my credit report they had also made note to the bureaus of the past due payment. I called Kohls call center and they advised that there may have been an issue or typo with the account information I used to make the payment. I made a double payment to make my account current on XX/XX/XXXX but when I spoke to the rep I asked about the 30 day late. Kohls NEVER contacted me to know that the payment was unsuccessful and did not give enough time for me to correct the issue prior to hitting the 30 day late mark even though during that time frame they reached out multiple times with promotional emails. I am just asking that the 30 days late is removed from my credit, as I've been working hard to repair my credit and this caused a XXXX point loss. Had Kohls contacted me to let me know of an issue with my initial payment I would've resolved this prior to incurring a derogatory mark on my credit. The rep on the phone said that once the payment cleared I should dispute the late with the bureaus since the blame fell on Kohls. They also charged me 2 late fees- {$29.00} and {$40.00} for this issue.
Consumer complaint received 2017-07-15
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. (FL)

I pulled my credit and happened to see a major error on my credit report. I 've s ent in 3 certified le tters to all  XXXX  credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On or about XX/XX/XXXX I purchased a refrigerator, supply lines, oven and power cord for a total value of {$2100.00}. Upon delivery, I retuned the oven and was issued a refund per XXXX for the oven and power cord ( {$740.00} ) and on XX/XX/XXXX I discovered XXXX had overcharged me for an ice supply line and again issued me a second refund ( {$20.00} ). I had damages on the refrigerator and XXXX compensated me on XX/XX/XXXX for {$150.00} which DID show up in my Paypal account as a refund. The {$740.00} and {$20.00} never did. I filed a formal complaint with Paypal as XXXX provided me receipts with transaction ID 's in order for Paypal to trace the refund. 

On XX/XX/XXXX Paypal issued me a provisional credit while my case was being investigated. Paypal issued a notice to repay that provisional credit XX/XX/XXXX and simply stated on my case that the seller agreed to refund. I contacted XXXX and they again stated that they were not responsible for this and that Paypal needed to issue the refund because the transaction processed per XXXX. 

I have again reopened the case with Paypal and have an open case with XXXX. I can not get these two companies to communicate with each other to determine where the processing error occurred and why the one refund ( {$150.00} ) processed where the others did not.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (FL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct NAme : XXXX XXXX XXXX XXXX  Acct # XXXX Acct Name : XXXXXXXX XXXX  Acct # XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX has 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 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 2021-03-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AA Recovery Solutions, Inc. (OH)

My mother, sister, job and i keep receiving phone calls from a gentleman named XXXX stating he is trying to collect a debt for XXXX I go to XXXX and they do not have this said persons information. They are harrassing me at my place of employment, my cell phone and other family memebers. They also said they are going to garnish my wages if i dont pay by the end of this week.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I am writing to address a matter concerning the reporting of a charge-off on my consumer report, which I believe violates federal regulations and established case law. Specifically, I am concerned that the Internal Revenue Service ( IRS ) considers a charge-off as income, and as such, it should not be reported to any consumer reporting agency. As per the Fair Credit Reporting Act ( FCRA ), it is essential that consumer reporting agencies furnish accurate and fair information regarding an individual 's creditworthiness. However, the reporting of a charge-off, which is treated as income by the IRS, contradicts this requirement. The IRS has explicitly stated in various publications and guidelines that a charge-off is considered taxable income. For instance, in Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ), the IRS outlines that cancelled debts, including those resulting in a charge-off, are generally considered taxable income unless specific exceptions apply. This confirms that a charge-off is recognized as income by the IRS. Furthermore, case law supports the notion that a charge-off should not be reported to consumer reporting agencies due to its classification as income. A notable case in this regard is the United States Tax Court case of XXXX XXXX XXXX XXXX, XXXX XXXX 1XXXX ( 1987 ). In this case, the court ruled that a cancelled debt, which resulted in a charge-off, was indeed taxable income and should be treated as such for tax purposes. This ruling establishes a precedent that aligns with the IRS ' classification of charge-offs as income. Given the IRS ' stance and the precedent set by relevant case law, it is evident that reporting a charge-off on a consumer report is erroneous and may potentially mislead lenders and other entities assessing an individual 's creditworthiness. Therefore, I kindly demand that you take the necessary steps to rectify this issue and ensure that any reporting of a charge-off on my consumer report is promptly removed. I trust that you will address this matter in a timely and appropriate manner. Should you require any further information or documentation from me, please do not hesitate to contact me via the contact information listed on the account. Thank you for your attention to this matter.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that 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. 
XXXXXXXX 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 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

A deposit was made to TD Bank with a check drawn on XXXX XXXX XXXX. The check was returned in error- with XXXX taking responsibility. The check was redeposited, and we were advised it would clear in 1 day ( We were not provided with a receipt showing the length of the hold ). Two days later, it was not cleared. I phoned TD Bank and explained what happened - I was advised the hold would be released in 20 minutes - maybe a bit longer. I waited 2 hours and went to a TD Bank branch to make a wire transfer - the hold was still in place. The TD Rep made some calls and re-entered a request to release the hold. Now I was told it would be REVIEWED within 2 to 24 hours. 

Because XXXX incorrectly returned a check, TD Bank returned an ACH debit from XXXX. I promised XXXX I would wire the funds today based on the initial information supplied to me by TD Bank. I called TD Bank again, and all I got were apologies and explanations. They were unwilling/unable to rectify the hold on my account based on the information they provided. The employees either don't know their policies or serving their customers is not a top priority.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (IL)

My Privacy is being violated by Discover Credit Card. 

I have been a Discover Card member in good standing for several years. I received an email from Discover on XX/XX/2024, that I had 5 days to contact XXXX to SIGN IRS Consent Form 4506-C XXXX If I don't sign to consent for the release my entire INCOME TAX Return to Discover for my existing credit card they will put a hold on my account. 

The e-mail stated if for any reason you unable to complete the consent for to contact Discover at XXXX. Which I did today, XX/XX/2024. I spoke with XXXX, to let them know that I wasn't able to provide consent to release my entire Tax Return Discover, that I wasn't borrowing money from them or taking a mortgage out with them. That I was willing, however, to provide them with my IRS TAX Transcript which provides my income information that they seeking. XXXX told no that is Discover 's Policy they want my entire TAX Return, discover requires to see my entire return. I explained to her my return is quite extensive and there are items within the return that are private but I am unable to share with them but the alternative which is accepted by other financial institutions as well as legal document from the Internal Revenue Service MY IRS TAX Transcript. 

This request is beyond what is needed. Is this legal? I have already had Identity Theft and as a senior I feel this infringes upon the expectation of a credit card organization. I have never had a bankruptcy or bad credit I've owned and paid off many cars and homes. How does Discover treat us this way? 
XXXX XXXX XXXX accepts the IRS Tax Transcripts it is an IRS Document without providing the entire return.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Description of Complaint : In XXXX of this year XXXX, I requested a properly investigated on Bankruptcy XXXX # XXXX because the court name is incorrect and the filing date is wrong! However TransUnion told me that this account has been verified with the courts but the **DATE UPDATED AS OF TODAY shows XX/XX/XXXX! XXXXAlso TransUnion have failed to provide me a formal request for the description of procedures used to determine the accuracy and completeness of the disputed information! The courthouse name, The name of the person who verified the bankruptcy, The court address, The court telephone number, The documentation used to verify the dispute, TransUnion has violated the FCRA LAWS several times. **please note a third-party furniture of information such as pacer, XXXX, or an alleged creditor does not meet the standards set by the FCRA section 611, paragraph ( 6 ) ( B ) ( iii ) Only the bankruptcy court should be the furnisher of information, not a third-party source.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (NY)

i made my payment on XX/XX/2022 but XXXX bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the XXXX credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt XXXXXXXX XXXX  help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the XXXX bank satments proof they changed the loan number for the same preperty adress and proof of payments from XXXX  bank and the returen that i was not awaere of
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2023 I returned a purchase to the Lane Bryant store. My lane Bryant credit card was credited in the amount of approximately {$16.00}. I reached out to comenity bank and they are disputing the credit. I reached out to lane Bryant and they state the credit was submitted to comenity. Come its is refusing to apply the credit to my card.
Consumer complaint received 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (DC)

on XXXX/XXXX/15 I spoke with Nationstar Rep LJ # XXXX she explained that my loan Modification was denied because of the following : XXXX NoteXXXX : I explained and wrote a letter that I do not pay child support, gas, cable, car note, phone. I called 2 weeks later and was told my Loan Mod was denied again for the very same reason after my naca representative updated my file and i have written letters clearing up any confusion they may have. I have yet to hear a response
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Bridgecrest Acceptance Corporation (SC)

XX/XX/2023 I initiated a consumer credit transaction with XXXX. I received an " Conditional Approval '' stating that I had to put {$4700.00} down. Truth in Lending ( 15 USC 1602 ) defines credit as the right granted by a creditor. Creditor defined in Truth in Lending is a natural person and am a natural person. Further more it is illegal to require a down payment that's a violation of 15 USC 1662. This is unjust enrichment because I the consumer extended credit and did benefit from it and that is deprivation of my rights which means they have the criminal law 18 USC 242.
Consumer complaint received 2023-01-26
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. (MI)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.