davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

Subject Concern Regarding Reporting of Charge Offs as Income by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the reporting practices of XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX. Specifically, I am concerned about their treatment of charge offs as income in consumer credit reports. 

As per my understanding of the law, specifically 15 USC 1681 ( 2 ) ( a ), it is stated that no transactions or experiences can be reported as income on consumer credit reports. Charge offs, which are essentially write-offs of debt, are being reported as income by XXXX XXXX XXXX XXXX XXXX This is in direct contradiction to the regulations outlined in the aforementioned statute.i also have a 1099 C issued out from the CFO XXXX XXXX also is the screen shot of it with their email being XXXX that I sent the income to Furthermore, it is worth noting that the Internal Revenue Service ( IRS ) requires individuals to report such income on their tax returns, typically in the form of a 1099C or 1099A. However, the inclusion of charge offs as income on consumer credit reports seems to go against both the spirit and letter of the law. 

I believe that this practice by XXXX XXXX XXXX XXXX could potentially mislead consumers and impact their creditworthiness unfairly. It may also create confusion regarding their actual financial standing, as charge offs are not income in the traditional sense. Also XXXX statue of limitation code is XXXX and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana they have been reporting for 4 years 7 months with an account thats considered a charge off within the last 2 years..I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the law. Consumers deserve accurate and transparent reporting of their financial information, and any deviations from regulatory standards should be addressed promptly.

Thank you for your attention to this matter. I look forward to your response and any actions taken in this regard.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (FL)

I requested a copy and proof that I owed this debt. They sent me a copy of the invoice and balance due however they reported an amount to the credit bureaus twice this amount and refuse to change it. They are showing {$10000.00} owed at all credit bureaus but sent em a letter claiming {$5500.00}. I am requesting the balance be updated and this account be deleted from my credit reports becauase of not being reported accurately.
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. (NY)

Transunion, XXXX, and XXXX has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-05-21
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Someone stole my credit card then charged {$17.00} on the card. I contacted the issuer of the card ( USAA Bank ) and informed them of the fraud. I sent an ID theft affidavit and a police report. USAA Bank is refusing to remove the negative information from my credit report thereby violating my rights under the FCRA.
Consumer complaint received 2023-02-19
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. (MD)

The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I submitted an application for the Citi Costco credit card but it was denied without any explanation provided. Previously, I had lodged complaints regarding the closure of my Citi bank checking and savings accounts, as well as my credit card accounts, and sought explanations for these actions, but no reasons were given. Now, I have submitted another application for the Citi Costco Credit Card, and again, the denial notice failed to specify why my application was declined.
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I brought cash to make certificate of deposit. We counted cash together with bank employee. Then Citizens bank employee/or manager stole {$5000.00} out of the cash given for deposit. They said money counting machine jammed and keep telling me they balanced after. I filed police report. Police waiting for bank to go through their Normal policies and procedures but bank manager clearly irritated and not following up in timely manner. I also saw someone walking out emergency exit while I was waiting for my deposit to be done by bank employee. Also I told them to bring back money when they told me its XXXX less. Money they brought were just XXXX and XXXX bills and where missing large stack of XXXX $ bills I had initially counted with that employee.
Consumer complaint received 2021-12-21
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. (NC)

XXXX XXXX XXXX has reported to all three bureaus, that my account with XXXX XXXX is delinquent, the account shows {$0.00}. Balance because it had been paid. I contacted the collection agency multiple times over the years and recently, they stated they could not remove. I also contacted XXXX XXXX  over the years and a few months ago in regards to removal of the paid account, they initially said they would reach out to the collection agency to have it removed. After no results were achieved, I called XXXX XXXX again and they stated that they couldnt do anything due to the account being in collection even though its paid.
Consumer complaint received 2017-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I keep getting phone calls from XXXX and when I ask who is they will not tell me so I hang up. I am being harassed and do n't know why. When I look the number up on XXXX it says " Portfolio Recovery. ''
Consumer complaint received 2021-12-21
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Gathered my free annual credit report from XXXX XXXX XXXX. Went over information that was incorrect and called Experian to correct it. In the meantime I went over the inquires on my account, on my credit report the report shows no inquires that others can see, on Experian the report shows XXXX inquires that Experian and other creditors could see. I asked why it was only showing on their end, customer service rep said he did n't know, I asked to speak with a supervisor and asked the same question but they did n't. I asked if they could remove them from the system and the supervisor said although you can not see them, they will remain. The supervisor thought that there was an issue with the website I was on, she then asked me to look up my report on the Experian website, I did as such and it showed the same, no inquires. Supervisor said there is nothing we can do..
Consumer complaint received 2022-12-12
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. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX  XXXX : # 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 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, 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 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)

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Consumer complaint received 2022-12-12
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Capital One sold the account to XXXX XXXX XXXX on XX/XX/2021, illegally, without authorization and without having arbitration. The debt collector has posted the illegally obtained debt on my consumer report as a collection, in the amount of {$400.00}. This has directly affected me receiving new credit that was applied for, a {$10000.00} credit card and a {$50000.00} loan.
Consumer complaint received 2022-12-12
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-04-07
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliance One, Inc. (MD)

This company is attempting to collect a debt that I do not owe and that I 've thoroughly disputed. In spite, these people continue to contact me to collect debt. They use automated dialers to call me at my place of employment, as well as on my personal cell phone, during my working hours. They 've gotten me in trouble at work ; as a result, I 'm concerned about my job status.
Consumer complaint received 2023-05-21
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: SANTANDER HOLDINGS USA, INC. (IN)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX REF : Santander Consumer XXXX To whom it may concern : The account was verified as accurate, and I am confused as to how. 

Santander Consumer XXXX I have disputed several times with Santander under FCRA 623 to correct or remove its inaccurate reporting 's from my consumer reports. I hereby DEMAND removal of the account in its entirety. I will be forwarding this request to the XXXX and to Indiana State Attorney General and the Texas State attorney Generals office for Santander 's negligence in correcting this information and thus fulfilling its duty under FCRA as a furnisher of information. 

I previously requested that Santander stop reporting this account as open. The account status is inaccurate and inconsistent across all bureaus. The account status for this account is still being reported to XXXX as open but it also being reported to XXXX as Charged off. 



The fact that Ive submitted XXXX direct disputes with Santander, and they still have failed to correct their reporting is outrageous and a serious flaw in their responsibility to ensure maximum possible accuracy. Santander will and has tried to shift the blame to the CRAs but the CRAs are reporting what Santander has inputted into the ACDV. 

This is formal notice of intent to sue unless this information is removed from any entity in which is has been reported to. Correction will no longer suffice! I will also be asking that this and the previous CFPB complaints be submitted to the CFPB Ombudsman office, as Santander is already under violation and a consent order for these very things. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All 3 credit bureaus do not respond to complaints, they do not review evidence mailed or uploaded, they don't update my credit score properly, they don't provid me dispute results or a copy of my report. It has been more than 30 days for a few complaints and I even have called them and get the run around. They are required by law to do very specific tasks and they do not. I've provided mountains of data and evidence certified mail and uploaded into their system as an example for XXXX XXXX XXXX and they refuse to remove it from my report! I don't have evidence of validation, a cease and desist was mailed by my lawyer and it is to be removed until further notice. This is one example of failure to comply. Litigation will be pending by XX/XX/2023.
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (VA)

Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.
Consumer complaint received 2023-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

On XX/XX/2022 my home in Arkansas had water damage from a burst pipe. The Insurance was contacted and the adjustors were out and made payment to the tune of {$150000.00}. 
As I had mortgage with US bank it was also listed as one of the payee.

I opened up an account with US bank loss claims department and they released some funds to me initially and were supposed to release the rest of the funds when their inspectors were done with the inspection of the house. When I tried to schedule the inspection of the house US bank kept of asking me for more and more paper work even though I had submitted all of it and they were asking me paper work from the XXXX XXXX  insurance company on which I had no control. I was exasperated and told them that if only I had the money I would pay off the loan and get them out of the picture, They at that point decided without my written or verbal permission to use the funds in my Escrow amount to pay off my Mortgage!!. These funds are supposed to paid to the contractors for the work they are doing. Now my mortgage is paid off without my permission using my insurance claim money which I am supposed to pay the contractors. I need to pay the contractors now {$38000.00} from my pocket which I do not have and US bank used this money given by XXXX XXXX to pay off my mortgage without my permission!