davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MI)

I am writing to address the lack of response to my previous notice, dated XX/XX/2024, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that has neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXXXXXX XXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX Please remove this inaccurate information from my credit report. 


As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

XXXX XXXX XXXXXXXX XXXX are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXXXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.
Consumer complaint received 2018-03-22
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. (TX)

I've contacted TransUnion several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/2018 requesting the method of verification used to verify the erroneous Public Record showing on my credit file and TransUnion failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So TransUnion purchased this data from 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the TransUnion 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well. 

TransUnion can never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. TransUnion most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX   does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above this is why TransUnion was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (CA)

XX/XX/2017 I took out a {$8500.00} loan with one main and was advised that I would need to purchase unemployment protection and other products. I have attempted several times to cancel these XXXX  after I was unable to use XXXX of them during my departure of my employer. One main agents have refused several times to cancel these products at my request advising that I missed the deadline when in fact I did not. My first request for cancellation was within the period of the policy and a XXXX XXXX  XXXX  told me she will send me cancellation documents when she never did and refused to take my calls following my request.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forster & Garbus LLP (NY)

as of  XX/XX/XXXX  I 've received a letter from Forster & Garbus LLP for a payment of {$4800.00}. On  XX/XX/XXXX  we have a settlement stipulation of {$3500.00}. The stipulation is that I pay {$50.00} every on the  XXXX  monthly. I have ten days after the  XXXX  to full fill my agreement. I have paid all my payments on time. A payment of money order on XX/XX/XXXX was received on  XX/XX/XXXX . Which is still within my time frame. Now  Forster & Gurbus is  demanding I paid the full amount of my debt in the amount of {$4800.00}. I have called to resolve the problems but they refused to work with me and demanded I pay the full amount. Closed is a copy of the stipulation and receipts of money order. My other payments are paid online and I also have receipts upon request. This is an unjust attempt to try to collect a debt from a consumer whom is trying to abide by the stipulation.  Forster & Gurbus t ook the liberty to say that they did n't receive the check by the  XXXX  and attempt to collect the full amount. This is an unfair practice and should be noted.
Consumer complaint received 2022-03-03
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. (NY)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

XXXX  edLoan never provided any documentation of loan repayment information. We were unaware that FedLoan  was our provider as we received no contact from them. Had been paying other student loans with  XXXX  for months as they had been in communication from the time before I was even graduated from college. Have been making those separate loans on time with no proble m. FedLoan has now destroyed my credit rating for delinquency and now they   say I owe all this accrued interest when I did n't even know FedLoan wa s my provider until today, they sent no communication-no letters, no phone calls. An email was on file that they said they were using, however, I do not communicate via e-mail and prefer to not to  do my bills electronically therefore I can not for the life of me seem to understand how they will tell me that I selected e-banking when I would most certainly never do that. In addition, all the several phone calls they insisted they made. Not one of   them did I receive, not a single message. Did not receive any letter notifications telling me my account was delinquent as I had n't been paying. I do not mind paying my l oans, whatsoever, in fact have been paying other ones with no problem. However, how can I pay my loan if I have no loan information and do n't even know who am I am expected to pay? It was n't until I ran a credit report that I realized FedLoan was destroying my credit for these payments I was given no information about. Now it is just their word against mine. FedLoan has several complaints open about them and clea rly I am not alone in thinking their business practices are fraudulent.
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IL)

A debt collector by the name of XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX, XXXX XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of LVNV Funding LLC. The original creditor is listed as XXXX XXXX. XXXX uses this reference number : XXXX. 

In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, LVNV Funding LLC can not sue you for it. '' They also stated : " Because of the age of your debt, XXXX will not sue you for it. '' These two quoted statements show that XXXX and LVNV Funding both know full well that they are attempting to collect upon an alleged debt that is time barred. 

Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). 

See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : 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 

At a minimum I want both XXXX and LVNV Funding to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I have previously filed a complaint against XXXX and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from XXXX. Most recently I have had success removing a high balance of {XX/XX/XXXX} down to {XX/XX/XXXX} on XX/XX/2022. XXXX is stating that the collection is only showing a balance of {XX/XX/XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XX/XX/XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.
Consumer complaint received 2017-10-16
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. (NY)

I have a Chase Visa, Account # XXXX XXXX XXXX XXXX. About 3 weeks ago, I went online to order an urgently needed item, XXXX XXXX bags. I found some on XXXX XXXX and ordered from them. I have never bought anything from XXXX XXXX before. I do not have an account with them. 

I saw on my screen that they took my credit card and charged my account. However, I never received the email with a receipt of purchase. Nor did I receive an email telling me the item was shipped. 

I contacted Chase twice via fax. Each time I asked them to clarify and provide me with the merchant contact info and to " freeze '' the charge while I was contesting it. 

I have gotten an endless stream of phone calls, nights, day, and on weekends, which I find to be extremely rude ( they call you Sunday morning and Sunday night ) rather than a letter telling me they are removing the charge and providing me with the merchant 's contact info. 

Please assist me in resolving this. 

The merchandise may or may not have shipped. It may have been lost or stolen. I do n't know and want to find out.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all  XXXX  bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted  XXXX ,   XXXX   and Equifax to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

When I came to this country my friend co-signed on a private student loan through  Discover i n which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy.   XXXX   is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that  XXXX  and  XXXX  are reporting correctly and  XXXX  is not and the score on  XXXX  is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected immediately.
Consumer complaint received 2024-10-02
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. (GA)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my EXPERIAN credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 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 that 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. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (CA)

This has been causing me undue stress and XXXX, my credit report has inquiries I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report, I believe this has been fraudulently placed on my report.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Im a XXXX struggling student that is trying to fix and rebuild my credit report. XXXX XXXX has an old closed account from over 7 years ago that has been closed XXXX XXXX, 2008 that should be taken off my credit report like most of my credit cards that are over 7 years old. Can you please have the courtesy of resolving this problem by removing this off my credit report or I will be contacting my lawyer and filing a lawsuit.
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 around XXXX XXXX XXXX I was unable to sign into my account using www.bankofamerica.com/eddcard. I called Bank of America at XXXX. Transferred to tech support and they were unable to resolve the issue and have escalated the issue for resolution. 
See attached log of process that took place.
Consumer complaint received 2022-09-07
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. (NC)

I just reviewed my credit report and there are some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below 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 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 2016-02-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (KS)

I purchased a vehicle in XXXX XXXX with GM Financial ( Ally subsidiary ) and was charged an exorbitant interest rate! I just learned about a DOJ settlement requiring Ally to reimburse minority customers who were charged unfair rates for purchases from XXXX XXXX - XXXX, and I fall under this category. However, I was NEVER notified of this DOJ lawsuit/settlement agreement & am now being told " too bad - you missed the deadline! ". Ally is NOT notifying all affected consumers & I believe it 's to reduce their payout loss ratio!
Consumer complaint received 2022-09-07
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. (NC)

I just reviewed my credit report and there are some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below 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 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