davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (FL)

POSSIBLE FINANCIAL is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( POSSIBLE FINANCIAL ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( POSSIBLE FINANCIAL ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX XXXX  ) if the person knows or has reasonable cause to believe that the information is inaccurate. POSSIBLE FINANCIAL can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from POSSIBLE FINANCIAL for the cancelled debt in order to file as ordinary income. Where is my 1099-C POSSIBLE FINANCIAL is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! POSSIBLE FINANCIAL has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In POSSIBLE FINANCIAL terms and conditions they agreed not to share my information with non-affiliates. XXXX and XXXX is not an affiliate of POSSIBLE FINANCIAL nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2020-08-12
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. (AR)

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$98.00} XXXX XXXX
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

I have been using Western Union to send money to relatives in XXXX. For the quite a while now I have noticed that they started changing the information of when the transfer would be available to the receiver. They indicate to you prior to submitting the transfer, that it is a immediate availability to receiver transaction but as soon as you submit and pay, then they change that immediate availability to available for pick up at a different future date. This misleading practice is very unprofessional and upsetting. I have had to go through their complaint process twice already and both time they just respond that the transaction is then available at that time after the complaint. ( after the supposed immediate availability date has passed but before the date they informed after submitting the transfer. I have just placed a new transfer and again they are misleading consumers by selling you a product with immediate availability but as soon as you pay that changes to available at future date. 
( please see all supporting documents if I can upload documents on this complaint )
Consumer complaint received 2020-08-12
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: EQUIFAX, INC. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$540.00} XXXX   XXXX {$500.00} XXXX DOFED XXXX {$900.00} XXXX XXXX {$490.00} XXXX   XXXX {$150.00}
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/XXXX I was alerted of a hard inquiry on my credit report by XXXX. TD bank, a bank that I do not conduct business with, had received a request for a credit card with all my information without my knowledge or consent. I reached out to TD bank on XX/XX/XXXX and they said they could not find any account open under my name. I contacted XXXX and requested for the hard inquiry to be removed from my credit history and an alert of identity theft. On XX/XX/23 I receive at my home address a credit card from TD bank with a {$15000.00} credit limit. I reached out to them again and reported this as fraudulent and requested to close and remove the hard inquiry from my credit. They were very unhelpful and refused to provide me any information on how they obtained my social security number, personal information and consent to pull my credit and open an account under my name.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the company they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2020-06-18
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. (CA)

TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA 809AB GUIDELINES, SHOW US!
Consumer complaint received 2020-06-18
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. (TX)

On XX/XX/XXXX, I submitted an online dispute with Experian for verification of a debt which they quickly returned with the conclusion that the debt is accurate, on XX/XX/XXXX. The debt in question is from a collection agency named XXXX representing XXXX   XXXX XXXX XXXX/XXXX  ( XXXX ) in the amount of {$450.00}. Therefore, I proceeded to contact XXXX through written communication requesting a validation of such debt. XXXX responded by sending a few copies of billing statements showing a balance of {$680.00} BUT specifically noted at the bottom of the letter that states " any difference between the amount shown enclosed in the verification of debt is due to some CREDITS. '' My letter of validation was very clear and precise to the type of information I was seeking and XXXX blatantly ignored consumer request numerous times. XXXX refuse to send consumer original contract, list of all payments made to account INCLUDING CREDITS, copy of license to collect in the state of Texas, and when did XXXX transfer the account for collection. I spoke with a representative at XXXX after failed written communications late XXXX or earlier XXXX, and the rep told consumer that they show a credit of {$200.00} applied back in XXXX but she did not have ANYTHING to send to prove what she is saying and told consumer that their office will contact XXXX for documentation of such credit. It is federal law that collection must provide proof of any amount they are reporting and should have that information available to consumer upon request. How are you reporting a debt that is {$200.00} less than {$680.00} that is printed on a billing statement they are sending to the consumer as their burden of proof? How can Experian say that reporting of such debt is accurate when XXXX CAN NOT provide the consumer with adequate documentation? If XXXX can not provide ALL documentation including documentation regarding a {$200.00} credit that the consumer is not aware about, than ALL REPORTING NEEDS TO CEASE! Please be advise, the last mail consumer received from XXXX was XX/XX/XXXX and NO documentation regarding CREDITS was enclosed ... .just old billing statements.
Consumer complaint received 2017-02-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

REFERENCE : XXXX XXXX XXXX XXXX XXXX, NJ XXXX FORECLOSURE STATUS XXXX/XXXX/XXXX We have placed a complaint that the above mentioned property is a " zombie property '' with CFPB Consumer Finance. The lender XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX NJ XXXX responded to the complaint stating that Select Portfolio Servicing Inc. took the servicing right of the loan on XXXX XXXX, XXXX. 
We are completing another complaint to include your company The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XXXX The bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes. Thank you for submitting your concerns about the property listed above. Because we value our customers ' privacy, we wo n't discuss any account information with you without their permission. 

The servicing rights of the loan were transferred to Select Portfolio Servicing ( SPS ) Inc. on XXXX XXXX, XXXX. You will need to contact the servicer for additional assistance at : Mail : Select Portfolio Servicing , Inc Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Response We received your inquiry from the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. We have completed our research and have mailed you a letter with our findings, and any next steps, if applicable.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (VA)

I set up an account with Discover card company. The agreement was no interest for 21 months on balance transfers. I transfered a little over {$8000.00}. I paid aprrox. {$300.00} a month for a year. Then I noticed discover started charging me interest. they said I had paid off all the balance transfer. Impossible as I had only paid {$3600.00}. I had a bad charge on the card of about {$5000.00}. When the charge was finally settled discover added the XXXX to the balance transfer and said the agreement was satified. The bad charge was NOT a balance transfer. They then started charging me the normal interest rate for charges. 
I called many times and talked to different people ; I talked to a supervisior and they said they would look into it. I kept calling but no answers. I transfered {$4000.00} out of the account and I am trying to get the rest transfered out, but mean while I am paying interest which I should not have to pay.
Consumer complaint received 2020-08-12
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. (GA)

Disputed information with Experian in reference to XXXX XXXX XXXX. Account was sold to XXXX. 
XXXX repoed my vehicle on XX/XX/20, auctioned on XX/XX/20. I explained to Experian XXXX ( XXXX XXXX XXXX ) had my new address and repoed the truck, as well XXXX intentionally sent the redemption letter to my address, through regular mail ( Not certified- per GA Law ). As well XXXX XXXX is reporting the repo ands showing I never made any payments and reporting the full amount of the contract. I reported the same information to XXXX  ( who has deleted the file ) as well to XXXX  ( no response yet ). I sent Experian screen shots of payments, which showed the original amount of the contract and they still updated the information as Accurate. I personally believe they did no investigation and just updated it without reviewing.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

After checking my credit and receiving a copy of my credit report. I noticed an account that doesn't belong to me. I disputed it with XXXX XXXX as well as the company midland funding for XXXX dollars. The issue has not been resolved and the item hasn't been removed.
Consumer complaint received 2020-08-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-06-18
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: U.S. BANCORP (FL)

On XX/XX/XXXX XXXX MasterCard issued a provisional credit for a disputed charge of {$190.00} on XX/XX/XXXX. On XX/XX/XXXX XXXX MasterCard reversed the {$190.00} disputed charge because the merchant stated I made a reservation by phone. I provided them a letter explaining this was completely false. We drove up to this merchant 's property, inquired on room availability, was shown a room by XXXX ( General Manager ) and agreed to stay for XX/XX/XXXX and XXXX at {$190.00} per night. On XX/XX/XXXX at XXXX XXXX we checked out and paid {$380.00}. If I had booked a room over the phone I would have received a " CARD NOT PRESENT ALERT '' on my phone, my wife 's phone, and an email none of which happened because there was no PHONE reservation. I have an email showing I contacted XXXX the day I noticed the charge on my statement and she assured me she would issue a refund. I called XXXX MasterCard and disputed the charge. When I received the letter reversing the provisional credit I attempted to contact XXXX and a man named XXXX answered the phone and advised me they were closed due to COVID 19. I called XXXX Mastercard dispute number XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I sent them a rebuttal letter on XX/XX/XXXX. I faxed a copy of my original receipt on XX/XX/XXXX and still no resolution. Now XXXX Mastercard has implemented a COVID-19 procedure and you have to leave a call back number and expect a return call. No return calls received. I discovered searching the online reviews on this merchant I am not the only one to experience the thievery of this merchant. MasterCard informs me that by not paying this amount and accrued interest will ruined my credit and eventually they will turn me over to a collection agency. Please help me.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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

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 2020-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

XX/XX/2019 I paid my rent of {$1700.00} four days later I was evicted four days later and had to leave in 24 hours. They kept my rent of {$1700.00} and my deposit of {$3500.00}. 
They then sent me to collections with an itemized bill of expenses that are not true. They double charged for cleaning. They charged me {$1100.00} for cleaning carpets. There are no carpets in the unit. I stayed there for over two and half years and was charged for items that should be normal for someone who lived in the same place for so long. 
I should not owe any money after they kept over {$5000.00}. 
Please look at the attached list and you will see these false charges. 
I was charged for cleaning three times and if we include carpet that doesn't exist it would be four times I was charged for cleaning. Please help with this.
Consumer complaint received 2020-11-11
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. (AZ)

XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided
Consumer complaint received 2020-08-12
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. (OH)

I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home
Consumer complaint received 2020-08-12
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: EQUIFAX, INC. (OH)

I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home