davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the XXXX major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules. 

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the XXXX major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (NC)

Medicredit & XXXX XXXX breached the XXXX XXXX XXXX XXXX 15 U.S. Code 6802. Medicredit just sent me a letter with private information and I have attached it to this complaint for your records. This has invaded my privacy and this is identity theft since I never gave them permission for this transaction to take place.

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S.Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15.U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragragh ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. There are items on my report that have different dates open, as well as different payment history and different dates of last activity on all three bureaus ... which is inaccurate information reporting to my credit profile.. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This creditor is not even licensed to collect a debt in the state of Mississippi ... and I did not give them consent to report information in my name to the consumer reporting agencies... 
XXXX XXXX XXXX XXXX ( This creditor is not licensed either to collect a debt in the state of Mississippi ) XXXX.
Consumer complaint received 2020-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

I had 3 charges for XXXX dollars on my credit reports with Kansas counselors of Kansas City debt collection agency. However these are for medical bills at a hospital I have never personally been to. I disputed the debt and it was removed from 2 out of 3 credit reports however they made a comment on my XXXX that says customer disputes debt reinvestigatom in progress. This proves they have already investigated this debt and have found nothing to legally tie me to this debt but are trying to hold on to it on my credit to penalize me for what may have been identity theft. I have not had any western medicine in a number of years that number of years would go far beyond the limits of any agencys legal right to report to my credit. I checked in to fdcpa laws and they say the creditor has to remove the debt until they have proof and the burden of proof is on them.
Consumer complaint received 2018-05-01
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. (TN)

I had ( 2 ) loans that were transferred to XXXX a few years ago. They are paid in full but reporting as late during the period I was in school. I've paid them in full and do not understand why they are reporting as late so many years ago when I was in school
Consumer complaint received 2022-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital 1Auto finance on XX/XX/XXXX my daughter purchased a car from XXXX of XXXX in SC. We filled out the application as my daughter being the owner and myself as the co-signer. The ran our credit and she paid her down payment of {$2500.00}. The next day she went to pick up the vehicle and XXXX sales man talked her into purchasing a warranty. Well the contract changed from daughter as the owner to the co-signer and put my name as the owner ( first red flag ). My daughter total the car on XXXX XXXX but the insurance company couldnt payoff the vehicle. Because XXXX of XXXX didnt have the title to the vehicle. Finally in XX/XX/XXXX XXXX of XXXX gave the insurance company the title but not after going o the DMV and lying about us purchasing the vehicle in XXXX to get the taxes paid on the car. Once Capital 1 auto finance got the check we asked about the warranty refund. It took them until XX/XX/XXXX to apply the amount to our account but it wasnt the full warranty amount. Then Capital 1 auto finance charged off the account to handle the scandal. I contacted the company and spoke with XXXX that called the warranty on three-way. The company advised us that the warranty was voided by XXXX of XXXX and to contact them directly. So XXXX called XXXX of XXXX on three-way call and spoke with XXXX who explained that a representative from Capital 1 auto finance advised her to send the warranty refund minus the amount they owed the company from another consumer auto deal. And she thought it was okay to cheat me out of my full refund amount.
Consumer complaint received 2022-10-28
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. (RI)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2022-07-22
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. (IL)

After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-25
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. (TX)

late not true : FCRA violations send proof of it or remove it : XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$420000.00} Payment Info Status Account renewed or refinanced Status date XX/XX/XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$16000.00}
Consumer complaint received 2020-07-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

EXPERIAN ; to whom recently tried to throw out my reinvestigation to an existing issue, Your full of XXXX and you'll be held accountable! I'm not going away with no lame excuse like that. Yall have a job to do! Investigate this matter thoroughly, figure out why their are fraudulent items still reporting on my credit report, i've listed them all on my ftc i.d theft affadavit and the extra sheet identifying each fraud item, YOU HAVE TO BLOCK THESE NOW. THEY ARE NOT VERIFIABLE OR VALID OR ANYTHING OF THAT NATURE, ITS IMPOSSIBLE AS THESE WEREN'T CONSENSUAL. 

Now if you think your going to get away with saying your not going to investigate this matter because you guys find it hard to believe people don't read the FREE PUBLIC FTC website for their fair credit rights, then be XXXX if you'd like, ill humble all who has let this matter just get passed along with a heavy lawsuit ... I'll stick it so far up you staffmembers and the organizations XXXX, you'll have toes for teeth! 

DO YOUR JOB, YOUR NOT DEALING WITH A DUMBY HERE. NOW GO AHEAD AND TRY ESCAPING ANOTHER INVESTIGATION WITH YOUR LAME EXCUSES AND SEE WHO'S HANDS I PUT THESE PAPER TRAILS IN. LITIGATION!
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (VA)

XX/XX/XXXX the alarm company took a payment out of my account before authorized. XX/XX/XXXX I was charged a fee of {$36.00} and couldn't understand why. When I went back that is when I saw the payment error. I did a dispute and the money was returned XX/XX/XXXX but not the fee. Had the alarm payment not been taken out my account would have had enough money. I called and was told it would fixed. Well guess what it still hasn't been so my account was $ XXXX since SunTrust hadn't returned my money and had the nerve to charge me another fee today AND I don't understand why! I made a deposit before XXXX and it is not showing at all!! {$200.00} deposit. I don't appreciate the discrepancy on my account and them not fixing!
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX Adress : XXXX XXXX XXXX XXXX, Ma XXXX Date opened:XX/XX/XXXX Balance Claimed : {$420.00} I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX Adress : XXXX XXXX XXXX XXXX, Ma XXXX Date opened:XX/XX/XXXX Balance Claimed : {$420.00} I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third Bank XXXX XXXX NC has not resolved fake account funds that have withdrawn {$10000.00} from, my XXXX  XXXX XXXX account with ACH Wires.
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

I received my annual escrow disclosure on XX/XX/2019 for my house that I purchased last year. It showed that due to the lending company ( Cornerstone Home Lending ), that was recommended by the builder ( XXXX XXXX ), severely underestimating the taxes for the year that my escrow account has a shortage of {$7200.00}. This plus the new increase in taxes has caused my payment to go from {$2100.00} to {$3100.00}. I called the lender to get an explanation on how this could have happened. I have never missed a payment or been late. They told me that the taxes were not calculated properly when I purchased my house causing the now shortage putting me in a financial bind. I failed to see how that is my fault. They, ( the lender ), said the best they could do was spread the {$7200.00} deficiency over 24 months vs 12 months. While this lowers my payment to roughly {$2800.00} it is still over {$700.00} higher than what I signed and agreed to less than a year ago. This puts a severe hardship on our finances to where we will not be able to either pay other obligations or afford this house anymore.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Today I write the FCPB due to the malice and misconduct that I've had to endure for 3 months within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against, but one. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed.

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'Payment Received ' in my account negatively, and falsely, shows {$0.00}. The evidence shows this account has very genuinely and clearly received a balance adjustment that grew over the {$0.00} neglectfully published. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you XXXX : The 'Personal Information ' of my name, shows frivolous information that incorrectly publishes my name as XXXX XXXX XXXX '.
Consumer complaint received 2020-09-10
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I used the chase atm on XXXX XXXX XXXX XXXX ca to pull out {$520.00} The atm took the money out my card but never gave me my money Im banking with XXXX also known as ( XXXX XXXX ) nothing has been resolved the merchant witch is chase keeps denying that theres was an error their were people inside the branch while doing this transaction so they seen me out there trying to resolve the issue once they opened I went inside to speak to the manger and they told me since I dont bank with chase there was absolutely nothing they can do so thats why I havent said anything to chase In months they should have atleast video surveillance of my girlfriend her name is XXXX XXXX she was using my card to pull out money for our rent and this had happened we have XXXX kids so this was a major setback we borrowed money and also taxes came so that helped but still thats my whole week paycheck and nothing is being done chase should have the XXXX footage sent to XXXX or reports that they were putting money in the machine that morning but they keep denying the claim without even trying to figure it out