davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX XXXX for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report on XX/XX/2020 as shown in attached exhibit A. This is false and misleading. 

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 

If XXXX XXXX has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (CA)

Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an XXXX that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXXXXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MO)

Below is the statement was received : ERC received an account in their office on XX/XX/2017 in the amount of {$240.00} placed for collection by our client, XXXX XXXX XXXX XXXX 

I sent a payment ( {$240.00} ). My last payment was received in ERC office on XX/XX/2017 paid directly to XXXX XXXX XXXX. 

They have been reporting this on my credit report as open since 2017 after payment was received.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (CA)

Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an XXXX that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXXXXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-22
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. (CA)

Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an LLC that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

About two months ago I contacted Experian about Identity theft. 
This item was not removed from my credit report there was another Item that was removed because of Identity theft. My family and have been a victim of this on going problem It has been hard to get Credit the little I know about this Item is that it is a Medical COLLECTION.Please note we have Insurance and I am attaching it documents. 
Thank You
Consumer complaint received 2022-04-22
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)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (TN)

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. 


XXXX XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX  XXXX Has violated my rights XXXX XXXX  XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX XXXX Bankruptcy 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 an account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section States. No consumer reporting agency may make any consumer reporting containing any if 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 reporting agency if the person knows or has reasonable cause to believe that the information is inac curate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NV)

Navy Federal has yet to address a dispute for a billing error that was raised in XX/XX/XXXX. They were sent a total of 4 payable instruments for the balance at the time of both of my accounts. 2 instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country in XXXX. Navy Federal continues to state that I owe them money for so-called outstanding bills and repayment of the money they " gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that Navy Federal can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. I am requesting the return of my {$700.00} down payment, as a cash downpayment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days.
Consumer complaint received 2022-04-22
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. (VA)

Credit report from Experian XX/XX/2022 still displaying student loan from XXXX on report as OPEN and CURRENT. I submitted a DISPUTE for ( 5 ) five XXXX accounts that were still being reported as OPEN and CURRENT in XX/XX/2022. Only ( 4 ) of those XXXX accounts have been deleted. There's one account still displaying on report which is affecting my total debt owed.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, 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 that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX  XXXX XXXX Never late please remove late payments In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I submitted my application with the lender and was working with XXXX XXXX XXXX NMLS XXXX ( Authorized to represent loanDepot.com, LLC ( XXXX ) ). My financials, income, credit, etc. are top tier and would not have any issue getting approved. Concurrently, I was working with another lender and provided a XXXX with a Locked LE for him to review and " beat '' on XX/XX/2020 XXXX XXXX. Up until XX/XX/2020, we had emails and phone calls back and forth with XXXX claiming that he was going to beat the rate. Now, out of the blue and without any follow up or response form the Licensed MLO, my loan application was Denied due to Incomplete Application. This is a 100 % lie and inaccurate as the license MLO never asked for any additional documents or any information prior to the Loan Denial. I do not appreciate the lenders lack of a response and then denying my application and using the incorrect HMDA adverse action.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.
Consumer complaint received 2023-10-21
Product: Credit reporting 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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX XXXXXXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Hello, I paid for a monitoring service with Experian at Experian.com 3 months ago and immediately l discovered an unknown entry. It has been 3 months and my case has yet to be resolved. I am requesting your help to have the following unknown entry deleted. I have contacted the original creditor but they cant help me because the account is not tied to my personal information XXXX XXXX XXXX Acct # XXXX