BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX NJ XXXX XX/XX/XXXX Capitol One Attn : Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request to Remove Charged-Off Debt from Credit Report due to Missing 1099 Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter regarding my account with Capitol One. My name is XXXX XXXX, and my account number ending in XXXX which was associated with a charged-off debt. 

Firstly, I would like to express my gratitude for your efforts in assisting me throughout the process of resolving my financial situation. However, I believe there is a discrepancy in the reporting of this debt, which I would like to address. As of the tax year XXXX I have not received a Form 1099-C, " Cancellation of Debt, '' from Capitol One. 

According to the IRS guidelines, when a creditor forgives or cancels a debt of {$600.00} or more, they are required to send the debtor a Form 1099-C. This form reports the canceled amount as taxable income to the debtor. Without receiving this form, I am unable to fulfill my tax obligations accurately and may inadvertently underreport my income. 

Additionally, as the debt was charged off, I understand that the reporting of this debt on my credit report should be adjusted accordingly. A charged-off debt should typically be marked as " Charged-Off '' and indicate a {$0.00} balance. However, the debt is currently listed as outstanding on my credit report, which negatively impacts my credit score and financial standing.

Therefore, I kindly request that you take the following actions : Provide me with a copy of the Form 1099-C for the canceled debt associated with my account account ending in XXXX for the tax year XXXX. 

Correct the information on my credit report regarding this charged-off debt, reflecting the appropriate status as " Charged-Off '' with a {$0.00} balance. 

I believe that addressing these issues will not only ensure accurate tax reporting but also help rectify any inaccuracies on my credit report, which is crucial for my financial stability. 

Please respond to this matter within 30 days from the date of this letter, as required by the Fair Credit Reporting Act ( FCRA ). If you require any additional information or documentation from me, please do not hesitate to contact me at my email XXXX. 

I appreciate your prompt attention to this matter and your understanding of the impact that these issues have on my financial well-being. I look forward to resolving this matter amicably and would like to thank you in advance for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been contacting the debt collector and bureaus about XXXX XXXX XXXX reflecting on my credit report. I request validation from bureaus they removed and reinserted without given me the proper notice on why? I contacted the debt collector and they sent me my medical details violating my rights. I did not sign a hippa release form for them to have that information. I contacted Equifax and XXXX about the hippa violation and the failed to remove the collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Discover card states that they have a claim against me, which indicates that they think I broke the law. They are threatening to turn this over to an attorney to obtain a judgment against me if I do not pay them. 

I feel as though this is a violation of the Fair Debt Collections Practices Act. 

Lots of threats contained in this letter attached. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted dispute to XXXX, XXXX and Experian - Verify and delete aged debt, XXXX & XXXX XXXX XXXX The debt it is the same debt. It has been reported multiple years inaccurately since XXXX. 
*********************************************************************************** RESULTS : XXXX - Deleted Both FILES : XXXX : XXXX- DELETED XXXX XXXX XXXX XXXX DELETED **************************************************************************************** The RESULTS other two did not delete the files : XXXX : only removed XXXX XXXX XXXX XXXX UPDATED XXXX I have connected and file dispute XXXX XX/XX/XXXX and reinvestigation with Experian did not yield any results. It was difficult for dispute. 
******************************************************************* **RESULTS XXXX : ______ ** XXXX XXXX XXXX XXXX ** XXXX DELETED XXXX XXXX I submitted the disputes and reinvestigation. 
****************************************************************************** Section 1681e ( b ) of the FCRA requires credit reporting agencies, like Experian, XXXX to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. They are violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This account was deleted to XXXX  due to the fact the company inaccurately report my account, Im requesting the company to delete in all platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to transunion under my name and different social fraudulently I have reached out to transunion as well as debtors both have not corrected this fraudulent information for account XXXX XXXX that begins or ends with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Amerifinancial Solutions LLC in early 2021 about a bill that was being reported to my credit file from their company. 
The bill was for medical debt. 
I mailed Amerifinancial Solutions LLC a request for debt validation, a contract between their business and the original creditor that showed they could collect debt and proof that they were licensed to collect debt in the state of Florida. 
Amerifinancial Solutions LLC mailed me a document that appeared to be medical services that were performed and my name was attached to those services. 
However I was never mailed a HIPPA release form stating they could access my medical information. 
Amerifinancial Services LLC has violated HIPPA in a attempt to collect debt however has yet to validate the debt, show proof of a contract between their business and the original creditor to collect debt and show proof that they are licensed to collect debt in the state of Florida. 

I would like to report this incident to the CFPB and ask for help in resolving this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ATTN : CFO NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Collection agency Midland Credit Management violated 15 USC 1692 ( d ) ( 2 ), 15 USC 1692 ( e ) ( 2 ) and also 15 USC 1692 ( k ) violated my privacy and federal law which has caused me to be denied extensions of my credit for personal and family, or household purposes. It is also causing mental anguish and severe stress. I did not have a contract with Midland Credit Management! I did look up Midland Credit Management and many lawsuits were filed against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Please help me. 
My loan was sold to XXXX XXXX XXXX and they use LoanCare , LLC to service their loans. I received emails and a letter on different dates from LoanCare that nothing will change, relax and we will handle everything. They did not withdraw my XXXX payment, even though they sent emails on different dates, constantly changing when they will withdraw. Even their letter had a date of autopay l but they didn't. One agent said maybe we tried to but there was insufficient funds and I said how dare you!!! There was never an attempt and I have all these emails from your company changing the dates of autopayl!!! Then customer service said they will withdraw on XX/XX/. I said no, I want to pay for XXXX in XXXX and XXXX in XXXX... so I paid online via their website on XX/XX/. The same day, XX/XX/ I received an email that they paid my property taxes on XX/XX/XXXX 

I also want to mention that all their emails say nothing will change with your loan. But they changed the autopay date to XX/XX/. When I called and said why would you do that when my payments were always taken on the first of each month with my original loan company, the customer service rep changed it to XX/XX/, but doing this they said may have screwed up the system. Again, they are the ones who changed dates... 

Then I tried calling them and there was a recording that their website was compromised. A day later they had a different message. Next day I finally got through but agent said they were hijacked and have no info on me, my loan, anything. This is a week now and the website is still down and customer service has no info such as if they will be able to withdraw my XXXX mortgage or when. They can't even take it over the phone because they don't have access to my information. 

Then I called the Tax Assessors office today and automated said my tax bill is due on XX/XX/, which means they did not receive my payment that LoanCare , LLC said they paid. 

If for some reason my tax payment is not received by due date I will pay again, which will hurt me financially but I have no choice. 

I am scared that my mortgage will be delinquent if I have nowhere to pay it. I don't want to lose my home. I am like all Americans trying to hang on to what we have and I feel like I am being taken. 

LoanCare , LLC would not give me a phone number for XXXX XXXX XXXX. I can't find it online. I found some info on XXXX. I don't see a phone number there either. 

Please help me. I have read bad reviews about LoanCare and now there is a XXXX page where people are in the same situation as me and we are all scared and frustrated. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The table below describes the events wherein Truist is now requiring escrow over and above what insurance/tax is paid by myself ; and further in order to remove escrow of the one week of loss of insurance due to XXXX and the agent at XXXX ( not informing me as the client that insurance was lapsing ) I would have to purchase a new mortgage at double the interest rate. Truist was informed in writing and by phone call ; XXXX the insurance agency was contacted and stated they would return/contact me on sending correspondence through their legal department and NEVER contacted me as the client on the insurance coverages/lapses nor provided further assistance to me, their client. I have paid Truist for the one week of insurance and have provided coverage with XXXX for the mortgage ( and now have to request reimbursement from XXXX ) and pay escrow above the amount of the insurance. Noted detail of event and documents will be mailed to CFPB : XX/XX/XXXX Agent : XXXX XXXX Policy Home/Auto XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Email XX/XX/XXXX XXXX  XXXX Agent XXXX Fired from XXXX  and had been working on issues with XXXX ; however no notice to client. Home Insurance RECEIVED information that agent fired in/on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX noted on more than 10 acres INCORRECT home on 1.89 coverages end XX/XX/XXXX Mailed NOT RECEIVED IN MAIL BY CLIENT XX/XX/XXXX XXXX XXXX XXXX Notice of Nonrenewal for XX/XX/XXXX to 1 ) client and 2 ) agent - XXXX XXXX Email NOT RECEIVED BY CLIENT ; AGENT XXXX NEVER CONTACTED CLIENT NO RECORDS OF AGENT CONTACT TO CLIENT GOOSEHEAD COULD NOT PROVIDE XX/XX/XXXX XXXX XXXX Service Agent Goosehead Notice of cancellation of unresolved underwriting concern. Email Client responded same date. 
XXXX Client continuous emails and phone calls to XXXX  Emails attached noting inability to get XXXX  to respond to homeowners insurance coverages Current XXXX XXXX appraisal/tax property record Noting : 1.84 acres - not ten as XXXX noted at issue. 
XX/XX/XXXX Email to Service Agent XXXX at XXXX another attempt Another attempt to get information and resolve issues regarding the noncoverage of homeowners insurances. 
XXXX - Phone calls to Truist ; mail to Truist regarding insurance issues XX/XX/XXXX - Phone call again to Truist receipt of increase in escrow. Truist states that it is their policy to force escrow if only in one day or one week and/or require a complete refinance to a higher ( in this case more than double ) interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX USA . However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. ( 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX brought this old credit card from XXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also XXXX XXXX XXXX, XXXX posing as XXXX   XXXX XXXX  ( USA ) ; we currently in dispute ( 3 ) XXXX XXXX  XXXX This is Debski & Associates, PA posing XXXX  XXXX ( USA ) ; we are currently in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian Credit reporting agency is now only showing one credit card company, XXXX XXXX. The last update shows only XXXX card. Company paying down my debt. In the past 60 days there has been no new charges and all payments were made early and well over the min amout due. 
I not only have had points taken away for hard inquiries but also usage the over 30 % rule. 
How can I ever get back points taken if the cards nolonger are showing up on my report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I XXXX  and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation