davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jeffrey G. Lerman, P.C. (NY)

I received 2 letters from an Attorneys office about hospital bills I never received. I sent a letter to the attorneys office but never received validation of the debt. I am requesting that this attorney not contact me anymore and the original debtor contact me/send me verification of the debt so that these bills can be evaluated for hardship. I sent a letter to the attorney 's office and as of today I have not received an answer.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report that has not been addressed by TransUnion, despite my previous communication with them. As per my records, I contacted TransUnion on XXXXXXXX  regarding the following incorrect information : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account is not associated with me, and I request its prompt removal from my credit report. 
XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - I am not responsible for this account, and I request its expeditious removal from my credit report.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 United States Code 1681 section 602 : states I have the right to privacy. 15 United States Code 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 United States Code 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



I'm requesting Debt validation with United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX : XXXX. A copy of the original contract with MY SIGNATURE for the debt listed below. 

XXXX. Full payment history from original creditor XXXX. The name and address of the original creditor XXXX. Proof that you now own or assigned the debt to collections I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. You have NOT provided me a copy of ANY original documentation required under 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ) & 15 United States Code 1681 Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 15 United States Code 1681 Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 United States Code 1681 Section 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the Fair Credit Reporting Act. 



I demand the following accounts be verified or deleted immediately. Account Account Number Provide Physical Verification United States XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Please remove all non-account holding inquiries over 180 days old. 



Please add a XXXX Suppression to my credit file. 



Thank You, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (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. XXXX ( XXXX  ). 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 2023-09-28
Product: Credit 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: ALLY FINANCIAL INC. (OH)

I am responding to ally credit cards response dated XXXX  Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it
Consumer complaint received 2023-01-10
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. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (NY)

I tried to get mortgage to purchase a house in Florida. DHI Mortgage ( lender  ) in collusion with D.R. Horton ( seller/builder ) engaged in a bait and switch scheme on interest rates, as well as to manipulate the mortgage application process to support D.R. Horton 's position to give DR Horton an unfair advantage on issues re.the contract/ Agreement executed XXXXXXXX. Both entities conspired to offer a low rate at the beginning, which I accepted and applied for the mortgage to DHI Mortgage ; then they began steering and forcing me to accept a higher interest rate/higher-cost mortgage using ploys, pretexts and threat from the selling agent. When I did not accept the higher rate, DHI Mortgage issues an " Application denied '' statement on XX/XX/22, notwithstanding my credit score over 800 points ( XXXX ) and excellent credit history. which the seller  ( DR Horton ) used to keep my XXXX XXXX ( XXXX XXXX ) as ofXXXX 
DHI Mortgage engaged in unfair, deceptive and unethical lending practices and together with D.R. Horton ( seller  ) engaged in overt and covert discrimination acts against me because of my race, color and age ( XXXX male ). Their employees/gents made prejudicial statements as well as imposed unusual and requirements on me to get a mortgage.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Forster, Garbus and Garbus (NY)

My name is XXXX XXXX XXXX. I live in XXXX XXXX, New York, a small suburban community in XXXX, near to XXXX XXXX. I fell into hard times. I lost my XXXX company business. XXXX played havac. Even starting the middle of 2019 my business collapsed ; employees working with me left ; I could not meet my obligations. As of now, I am living a hand to mouth living. There were two deaths in the family intensifying my family obligations. I am breathless. 
Added to my problems is a demand from a debtcollecting company, Foster and Garbus. 
They threatened me of garnishment. There is nothing to garnish. I am working as a part-time XXXX XXXX, just to maintain my family. Through my friend.XXXX XXXXXXXX, with my authorization I agreed to pay {$50.00} on a monthly bassis. There was correspondence but without positive response. 
Foster and Garbus obtained an Ex-parte judgement and sent summons. I responded with {$50.00} offer because I can not afford anything more. I am living a hand to mouth living. 
I attached certain documents for CFPB review.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1 told the XXXX, Transunion, to reinvestigate these accounts : Account name : Office of attorney Account # 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-01-10
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. (IL)

In Accordance with the Fair Credit Reporting act these following companies has violated my rights.

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

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 XXXXXX/XX/XXXX XXXX XXXX XXXX : {$120.00XXXX 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 2023-01-10
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. (IL)

In Accordance with the Fair Credit Reporting act these following companies has violated my rights.

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. balance : {$220.00} original creditor 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 XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION AND XXXX HAS VIOLATED MY CONSUMER RIGHTS PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT. HIPAA AND THE PRIVACY ACT BY ALLOWING XXXX XXXX  TO BE PLACED ON MY CONSUMER REPORT WITHOUT INVESTIGATION. I XXXX XXXX HAS NEVER DID ANY BUSINESS WITH XXXX XXXX, NEVER SIGNED ANY AGREEMENTS OR CONTRACT. YET TRANSUNION AND XXXX PLACED A COLLECTION ON CONSUMER REPORT. I NEVER RECEIVED LETTERS OR PHONE CALLS STATING THAT I OWE A DEBT.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This inquiry was not an inquiry I recognized that showed up as CAPITAL ONE XX/XX/2024. I tried calling the company twice but was during outside company hours due to my work schedule. I had spoken to two representatives about the on XX/XX/2024 and XX/XX/2024. 

I had filed out a form through identitytheft.gov and received a reference number.
Consumer complaint received 2024-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The company had send me some papers through XXXX and I had got them notarized and signed and send them back and they said that they never had received anything but previous they sent me some papers before and I sent them and they actually had got them back so theyre saying they never received my papers
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024, XXXX unauthorized transactions totaling {$2600.00} were made on my Bank of America credit card. Additionally, an attempted transaction of {$1300.00} was made on my BoA debit card but was declined. Later that day I discovered that my cards had been stolen, I immediately reported the fraudulent activity, while the transactions were still pending. However, on XX/XX/XXXX, I received an email from Bank of America stating that they had concluded their investigation and denied my claim. I am disappointed with the outcome and feel that Bank of America did not adequately investigate my claim.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have hard inquiries that I didn't do XXXX  XXXX XXXX XXXX XXXXXXXX XXXX dual card
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX called Home Depot Re : {$31.00} ( late fee, tax ) on my account. HD agreed to refund charges and tried to-they didnt know what was wrong ( I think it may have been due to needing a new a/c opened and mix up of numbers ) I was told to wait for a number that would be mailed from Citibank, or a call XXXX Nothing received XX/XX/XXXX called Citibank-after a great deal of time again assured the fees and interest would be refunded and to check in a couple of days to make sure of XXXX balance. I forgot to do this, after all the assurances. 
XX/XX/XXXX spoke to XXXX at Citibank for 51 minutes and was finally assured AGAIN that I would have a XXXX balance. Told to check balance on XX/XX/XXXX and it should be XXXX. The current balance is now {$64.00} I dont know what else to do I believe Other calls were made that were not recorded
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (TX)

I've recently had my card stolen and some unauthorized charges to my Chime debit card. After receiving a deposit in XXXX, i saw a XXXX  charge for {$370.00}. I turned the card off immediately and saw later they were declined charges for for things.i tried disputing the XXXX charge to no avail. I had to use the card in XXXX, and turned it on and forgot to turn it off. Later I saw unauthorized charges at XXXX. The XXXX and XXXX charges are in addition to other smaller unauthorized charges that went through. After disputing the smaller charges and getting resolution for those, I was able to dispute the XXXX charge ( {$370.00} ) and XXXX charges $ ( XXXX & {$200.00} ) on XX/XX/XXXX. The money deducted has greatly inconvenienced me. I had to explain this to manager at the apartment complex I live at. They have given me until tomorrow XXXX XXXX to pay rent or the eviction process will begin. I explained this to Chime and asked for at least provisional credit while they investigate, so I will not be evicted. Chime says I have to wait until XXXX, XXXX but I do not have that long. I've called various times with no help. Provisional credit can be provided within 10days which can be before 10 days. I asked Chime for provisional credit which can be provided before the maximum 10days and they said I'm eligible to receive it but still have to wait until XX/XX/XXXX. I'll be evicted by XX/XX/XXXX ( tomorrow ) I'm requesting my money back.
Consumer complaint received 2023-01-10
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them 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 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 2023-01-19
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.