davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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. (CA)

This company is reporting charged off accounts on my credit reports. A " Chargeoff '' is now considered taxable income for me and they should have sent me a 1099c for taxable income purposes, which i never recieved.

Therefore they can not come after me for the debt any longer, and they can no longer report it on my credit reports.

15USC 1692 g & 15USC 1681 ( e ) B I have asked for a 1099c from all 3 reporting agencies as well as the debt collectors and have yet to recieve them
Consumer complaint received 2023-10-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

A violation of 18 USC 1028 identity theft has occurred. This company Transworld System XXXX # XXXX is in possession of my name and address. amount {$10000.00} on XXXX The company has no expressed written consent. I issues this company a Cease and Desist.
Consumer complaint received 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

After school I was out of work, robbed XXXX, and hospitalized being in a low income community I didnt get the help I need to recover as far as XXXX .y XXXX  was most up suffering from XXXX years later I managed to pull myself back together before I got XXXX I would call nelnet and set up hardship payments but after I wasnt in the right space XXXX so when I tried again I was informed that the debt has been deferred charged off now I'm working with the third party company they sold the debt to to get back on track.
Consumer complaint received 2022-05-05
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: NCB Management Services Inc. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TN)

I received a checking statement on XX/XX/2022 from Wells Fargo. I immediately contacted them to advise that I never opened this account, I wanted it closed and I needed to report as identity theft. I spoke with XXXX and she advised she had taken care of everything. In XXXX I received another statement, I contacted Wells Fargo again and stated I wanted the account closed as this was identity theft. I received another statement in XXXX, called and spoke with XXXX she advised the account was closed and it had been reported to their theft department. I received another statement at the end of XXXX, account is not closed it is still open. Today I spoke with XXXX in the fraud department. I was advised that the account was closed and they were about to mail a resolution letter. I am unclear how I can continue to receive statements on a closed account that was reported as fraud. Wells Fargo was citied for doing this practice a few years ago. I never contacted them to open a checking account and they seem to not want to close the account and bring this to a resolution. I need help.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute inaccuracies on my credit report and request the immediate removal/blockage of erroneous information. The following accounts are inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous as no judgment was made, and no trial occurred.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AR)

Foreclosure began on my home in XXXX XXXX. As a result of the work related injury, I ultimately lost my job. The foreclosure on my previous home is due to lack of income stemming from this injury and divorce. I no longer live at this address and I have been employed at the same job for over 3 years now. I received XXXX foreclosure settlement checks dated XXXX/XXXX/XXXX. However, as of XXXX XXXX, almost 5 years later, the lender continues to report my loan 180 days past due with full balance owed. This is a detriment to my credit and I am having difficulty obtaining any type of financing on my own.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Indie Technology DBA Found (OH)

I have a dispute with my online banking account FOUND they are denying my disputed claim of {$1200.00} and it's is their fault that my money was taken.so the end of XXXX XXXX a few transactions to the time of {$600.00} that I didn't make and I had no idea what they were XXXX tried to contact the merchants to see what these charges were for, no luck so I filed a dispute with FOUND telling them that {$600.00} had been stolen or used on my card or account without my permission and I opened a dispute well I thought I did about 2 days later I received an email that made me check my found account and more money has been taken now there has been {$1200.00} stolen from my account and I had to stay on chat and make sure they opened a dispute and secured my money well I was never offered provisional credit and I kept trying to get a hold of a supervisor atter nearlt 25 business days hhas past and no response from my bank so I'm messaging repeatedly and to only geta response back the they would not be honoring my dispute because I failed to keep my account safe how is that possible I took every single precaution that was available to me and I notified the correct parties about the unauthorized activity and I did everything within my power to ensure my moneys safety and for found to blame me for it just infuriated me Because I had to them that money was gone and they let more of my money get taken it stolen after I made them aware that I did not know what those merchants were I did not make those purchases they still after that allowed the same merchant to steal more money from me please help me get my money back
Consumer complaint received 2024-01-30
Product: Credit 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: GOLDMAN SACHS BANK USA (MD)

XX/XX/2023 subject to identity theft. 
Personal information only shared with credit card company was used. XXXX employees from credit card company stated that it is an ongoing issue that they think may be internal sourced.

Told to not pay anything until resolved. Told that no interest will be charged and will not affect credit while in dispute.

Required numerous phone calls with request of removal of fraudulent charges as evidenced by attached timeline due to failure of credit card company to remove as requested.

Credit card company continued to fail to remove fraudulent charges. Current charges for charge back of apple cash that was generated by fraudulent charges and never used. Agent for credit card company recognizes this and said should be removed. 
Failure to remove and now receiving numerous phone calls from debt collector. Debt collector saying should have paid fraudulent charges and asked for reimbursement.
Consumer complaint received 2022-05-05
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. (WI)

In accordance with the fair credit report act these accounts has violated my rights XXXX # XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Consumer complaint received 2022-05-05
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. (WI)

In accordance with the fair credit report act these accounts has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Consumer complaint received 2023-02-07
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. (TX)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX : {$56.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-05-05
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. (IN)

In accordance with the Fair Credit Reporting Act : 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 have all 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 written instruction.
Consumer complaint received 2022-05-05
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. (CA)

On several occasions since XX/XX/2022, I have informed Experian Credit Bureau of the error on my report regarding a duplicate negative entry from XXXX XXXX that was paid in full. Experian, unlike the other 2 credit bureaus XXXX XXXX XXXX XXXX ), has refused to correct the error. Nor have they provided me with any information regarding the validity of this duplicate erroneous accountnor have they provided me with any substantiating information regarding what steps or efforts they have taken in regards to the several disputes I have requested for this account. They only provide me with a generic this account has been investigated. 

I believe that Experian is intentionally allowing erroneous entries to remain on consumers credit report in order to artificially deflate ones credit score for the sake of benefiting their clients ( corporations, landlords, financial institutions, etc ). This allows their clients to charge consumers higher interest rates, charge exorbitant rental deposits, or deny housing opportunities altogether. This appears to be a systemic problem with Experian and it is quite unfortunate for the underrepresented population who depends on the credit bureaus to exercise integrity when providing credit information to the bureaus corporate clients.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXXlate Payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment.
Consumer complaint received 2024-03-11
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$75000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX  Inquired on XX/XX/2024 XXXX XXXX XXXXXXXX Balance : {$9500.00}
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (FL)

I'm filling this complaint against this company CBE GROUP who reported that I own them XXXX dollars for Cellphone bills from XXXX XXXX. First of all I never had XXXX cell phone service. my services has always been with the following companies. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I Been a victim of Identity theft in the past I truly believed someone had open an account under my name. I'm asking for this company to deleted this false report from all three credit bureaus Immediately otherwise there will be legal actions.
Consumer complaint received 2021-08-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX, XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2023-06-13
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. (GA)

I have a detailed letter on what is wrong on my credit report and the credit bueraus are ignoring my request and nothing is getting done. I aslo do not want you the CFPB to deny my request and tell me I can't dispute this another time. I have the right to do so
Consumer complaint received 2022-05-05
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. (NY)

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Account number ending : 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.
Consumer complaint received 2022-05-05
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-15
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. (SC)

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 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (AZ)

Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The Best Service Company reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects XXXX XXXX as the lender / creditor. I attempted to dispute this item as i have not had any accounts with XXXX. The dispute was denied, Best Service Company reported that the dispute is invalid. 

I contacted XXXX XXXX and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with XXXX and remove the item from my report, to no avail. 

I am requesting they remove this item from my credit immediatly.