davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the XXXX 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I was in a car accident. The other driver was at fault. My car was totaled. 
The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to XXXX for my XXXX XXXX in the amount of {$14000.00}. I had GAP insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. 

The pay off was {$21000.00} The total paid was : XXXX XXXX owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, XXXX closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. 

I have contacted XXXX for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of XXXX accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by XXXX, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. 

I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer
Consumer complaint received 2020-01-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I found out my name is in the Wells Fargo database not attached to any account and I asked to have my name and address removed from their database I've never had an account personally with Wells Fargo bank I was XXXX of a political club which had an account at Wells Fargo but I left that position over seven years ago I've never had any other business I've gone to two branches to ask that my name be removed from the database and they said they can't do this and I don't understand why if I want my name removed from the database they won't do it can you please help.In their database I am listed as XXXX XXXX address XXXX XXXX XXXX in XXXX XXXX XXXX and I don't understand why I am in their database and how can I get my name removed.
Consumer complaint received 2023-07-14
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: WELLS FARGO & COMPANY (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. 

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. 

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to delete the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-11
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-11
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. (AR)

please remove all Fraudulent accounte as i have no knowledge of any of these accounts due to the XXXX data breachidentity theft. All is being investigated by the FTC. According to the FCRA 605B This information must be blocked IMMEDIATELY until the investigation is OVER.
Consumer complaint received 2023-12-30
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: EQUIFAX, INC. (IN)

i notice fradulent account and inquires on my account. these occurred recently XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MD)

Sequium assest solutions has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (GA)

I have reached out requesting proper information per FDCPA, but the creditor has not provided this information and has placed inaccurate and unverified information on my credit report illegally. I am looking to have this information removed ASAP. 


After several failed attempts for validation and verification, I will be looking to escalate this issue to the CFPB and the XXXX  in addition to the FTC for fraud and identity theft and pursue damages to my person under the FDCPA if this derogatory inaccurate information is not removed from my credit file immediately.
Consumer complaint received 2020-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (LA)

They permanently suspend my account for no reason they said that I violated section 22 d of the consumer agreement and that is not true XXXX XXXX refunded my money because I had the wrong product and yet they are suspended me over a product really and yet Im am XXXX XXXX XXXX and yet they are saying that Im unauthorized how there them make a false claims on me to make trouble for me how there they make these kind of claims.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I continue to be contacted about this debt that is originally from Original Lender : CITIBANK N.A. 
Account Number : XXXX, who has sold the debt to apparently everyone, and I settled with XXXX XXXX back in 2020. I have attached a new letter from them under their mediations department/legal arm. All I know is that there is some company in the valley that keeps sending more and more companies to threaten me. At this point I am ready to plead my case in front of a judge. 

I keep getting threatening calls about once a month and I am really feeling like I am being stalked and harassed. I am a XXXX Veteran with a XXXX XXXX and it is affecting my mental health. How do I get this to stop. I paid what I negotiated back in 2020. I am now being told that XXXX is fake, and all sorts of other lies. ( XXXX has done nothing wrong and have been excellent ). 

Please help me in this matter, perhaps you can find out whom the original buyer that holds the debt that keeps trying to get more money out of me and get that person ( s ) to stop harassing me. 

XXXX XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

I received a delinquent notice that Navient sent me to collections on a student loan that I never was behind or late on. I graduate from XXXX University in XX/XX/2019 and was a student when Navient reported me for being out of school since XX/XX/2019. I spoke with Navient and was told to submit an enrollment verification from XXXX University to them and they would remove the 90 day delinquent notification on my credit report and they reevaluated my time in school. I received a letter from Navient that stated I was in the grace period until XX/XX/2019 yet it shows that as of XX/XX/2019 on my credit report that I was 90 days late on my student loan repayment. How is this even possible when I was in a grace period and the letter I received from Navient shows that I was not late or at risk of being late yet they refuse to take this off of my credit? I shouldn't have this remark on my credit report and was told in XX/XX/2019 that Navient would remove this yet they haven't and now I submitted the paperwork to XXXX  and they refuse to remove it from my credit. My credit scores dropped over 100+ points in XX/XX/2019 and I have not been able to get them back to the state of over 615 like it was in XXXX 2019. I want this immediately removed from my credit report and Navient to be held accountable. I also know that when I looked more into the issue with Navient and they have class action lawsuits for this very reason and I don't believe that their inability to take responsibility for their errors should be placed on me.
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

medicredit keep trying collect a debt from me, after I sent a letter to them to stop all communication, unless they provide me with a detailed information about the debt, ( proff attached of the letter I sent them ) Also they sent me a personal information shared from Hospital, itemization of the hospital services, Hospital should not share this type of information to third parties,, I asked them for proof like any agreement signed for me that make me responsible for the debt, like I said before when I spoke with them I don't recognize the debt .. they should send me proof or stop this debt immediately or if they already reported to my credit report, they should let them know that this debt is disputed..i also asked more information about their authority in florida for collect debt XXXX ( license information and number ) All information requested from me to them has not provided with the time frame allowed by laws from my first call to them, again please stop this collection and if you forward to any other, let them know this the is in dispute... 
I sent them a letter on XX/XX/2022, they received on XX/XX/2022 I should receive the information requested by XX/XX/XXXX, other way they should stop this collection..
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2022-02-22
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. (AZ)

EQUIFAX is reporting information on XXXX XXXX BANK XXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This Account was charged off on the following date XXXX since then the account has repeatedly been updated as charged off every month. 
A charged off account shouldn't include an active payment history this inaccurate information falsely manipulates the statute of limitation please investigate this account properly after i asked you to do it Twice and your neglect has violated my rights, I am demanding a deletion of the following accoun. XXXX XXXX XXXX XXXX XXXX XXXX