BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: PA
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:
The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 


Please immediately delete the following accounts immediately from my credit report! 

XXXX XXXX CHARGE OFF {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF {$620.00}, XXXX XXXX XXXX XXXX  CHARGE OFF {$740.00}, XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF {$29000.00} XX/XX/XXXX When a Creditors writes off a debts after a set amount of timefor example, one, two, or three years after you default. The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden. The same is true when you negotiate a debt reduction. The creditor will report the amount you didn't pay to the IRS.

Of course, the IRS still wants to collect tax on this money, and it will turn to you for payment. Because you no longer have to pay the full amount of the debt, the IRS treats the forgiven amount as gained income, for which you should pay income taxes. ( That additional income might also affect your state taxes. )

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 2023-03-22
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HI THERE its been more than 10 months now sine square deactivated my account and holding my XXXX $ first they sent me an email in which they told me to release my funds after 90 days after 90 days they sent me another email and told me that funds will be held for an additional 30 days Now all the dates has been passed but square is not responding me back and not releasing my funds also there is not a single chargeback on my account please understand we all have to die one day so I am a XXXX patient and need money badly if you do not release my funds I will be dead in next 10 days I will go to XXXX and then complain to Him what you people done to me I am crying and also cry daily too much time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am the victim of fraud. While I was researching XXXX XXXX, I saw a XXXX LIVE video today at XXXX XXXX XXXX XXXX By who I thought was the XXXX XXXX, and it had a free coin giveaway, where if you send coins, you get double back. I sent XXXX XXXX coins, that is {$6400.00} USD worth today, from my https : //pro.coinbase.com account, to the wallet address listed below. 

The website that I went to ( that was being advertised on XXXX, below the LIVE video, was XXXX : XXXX The scam artist 's wallet address is : Destination Address : XXXX Transaction Hash : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report: XXXX XXXX XXXX  Balance: $0.00

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
Consumer complaint received 2021-08-25
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt collector LVNV funding - reported on my credit for an amount of {$1400.00} in XXXX of XXXX for an XXXX XXXX Credit Card that was last delinquent in or around XXXX. Firstly this debt is older than 3 years, and has passed the state of limitations in the State of North Carolina, when LVNV reported it to the credit bureaus. Prior to them reporting this debt to my credit, I hadn't received any notification of said debt. After doing some research and attempting to purchase a home, it was bought to my attention that they had filled a judgement on me. I was never served papers nor did I have the opportunity to dispute the debt, before the lawsuit was filled. I reached out to LVNV funding on or around XXXX / XX/XX/XXXX to obtain information of said debt. They directed me to Resurgent Capital Services. I then attempted to dispute the debt with them, they advised that I need reach back to LVNV funding. I did just that. After speaking to a representative, I verbally disputed the debt, and they informed me that they would be sending my documentation to validate the debt. I did not receive said documentation. I then disputed the debt by sending a letter. I thenI attempted to call back two additional times to just settle the debt, and this is preventing me from moving forward from purchasing the home. Each time they refused my settlement offer. I explained to them that I did owe the debt, however the amount I wasn't agreeing with. I am filling this complaint as they are unwilling to work with me, they have filled a judgement on a debt that was outside of the statute of limitations, at the time the debt was presented to the credit bureaus. Lastly as a consumer - I don't believe I was notified properly about the debt, provided details about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Opened a dispute with Chase [ XXXX ] about XXXX purchases that were not delivered, because of XXXX refusal to deliver XXXX and I refused to drive XXXXXXXX XXXX miles roundtrip to retrieve. 

I promptly closed that ChaseAmazon Credit Card on or about XXXX after these ongoing problems continued, and also shuttered the Amazon account ; which never issued regular receipts describing items purchased with anticipated delivery dates included on their acknowledgement email. 

That dispute was Opened on or about XX/XX/2022 by phone. I immediately paid the undisputed amount {$350.00} by personal check XXXX on or about XXXX which was cashed. 

Chase never, until receipt was had on or about XXXX of two letters dated XXXX and XXXX, provided andor requested any written communications, whatsoever, subsequent to that initial phone dispute being filed XXXX requesting I provide any documentation I possessed but simply tried calling and calling and calling and calling until I had enough and actually stopped accepting all imcoming calls on or about XXXX. 

The demands dated XXXX and XXXX indicate now that if they do not receive the demanded documents by XXXX { two ( 2 ) mailing days after receipt of their only such request for production } that " we may close our investigation and you may be responsible for the charge ( s ) and any related interest and fees. '' in the meantime they woefully acknowledge having resolved some { mostly undefined } pending disputes. '' I am sending copies of the " Postal We Missed You '' ( PS FORMS 3849 ) documents left when delivery was supposed to have happened { the carriers simply refuse to deliver for Amazon and Amazon is well aware of this as it occured while Amazon Home Delivery was at my residence delivering and witnessed one such episode, firsthand }. But USPS has had ongoing issues with rural carriers employed to service my address since my purchase back on XXXX except for a few years before Amazon and XXXX struck up their deal that in essence screwed all the Postal Carriers [ as was explained to me by two ( 2 ) prior carriers one also a XXXX and my carrier for nearly 3.5 years and his replacement who was married to a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Sunday, XX/XX/2023 at XXXX Eastern Time I received an email that Bank of America had my online application in progress for their Bank of America XXXX XXXX Banking Account XXXX 

I never submitted an application for this. 

At XXXX Eastern Time I received an email that Bank of America had opened a Bank of America XXXX XXXX Banking Account in my name. 

I reported the fraud to Bank of America 's fraud department via their XXXX email address at XXXX and XXXX the same day for each of the respect emails.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 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 a account without my written instructions

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 2022-04-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/2021 when XXXX XXXX  acquired all of XXXX XXXX 's customer accounts in the United States, they have not made any effort to check with XXXX XXXX  that the billing entities are receiving payments on a monthly basis in a timely manner and are now removing some of the accounts that determine our FICO score and lowering our credit rating. We have tried to contact their customer service department on numerous occasions to get them to correct the issue to no avail. 

Yesterday I received notice via email they are removing another billing account ( XXXX XXXX ) from their records as they can not ascertain the account is being paid monthly through our old XXXX account, which is no longer a valid checking account. Said account has been active and paid in a timely manner for the entire XXXX years we have lived at our current address yet they keep sending emails payments on the accounts are not being reported. The reason they are not being reported is Experian is making no efforts to contact XXXX XXXX. 

*************************************************************************************************** Experian www.experian.com, hmm, it's been a couple months since a payment was reported... 
XXXX Experian Alerts XXXX To : Sat, XX/XX/2021 at XXXX PM Experian Membership ID # Member Sign In Hmm, we still haven't seen payment history reported Looks like a payment hasn't been reported in the last two months for your account ( s ) linked to Experian Boost. After several months of payments not being reported, your account ( s ) could be removed from your Experian credit file. 

Note : It's possible that you've made a payment to this account and Experian hasn't received your payment record yet. You can sign in to see more information. 
See account details *************************************************************************************************** Experian www.experian.com, your bill was deleted from Experian XXXX... 
XXXX Experian Alerts XXXX To : Sat, XXXX XXXX at XXXX PM Experian Membership ID # Member Sign In Heads up, your bill was deleted from Experian XXXX. 
That means it was also removed from your Experian credit file, which could lower your FICO Scorebut dont worry. Weve laid out the simple steps to take to keep your boost. 
See what to do ************************************************************************************************* It is impossible to report the problem to Experian Boost using their " See what to do '' instructions and we have never been able to get through to one of their customer support agents via telephone.

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 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had made a purchase from a company called XXXX which was a huge mistake, they turned out to be very shady n liars, I was charged the XXXX for pulse oximeter n was unaware of being charged more then that, I was unfairly charged for XXXX which that merchant refuses to give me back n I disputed it with the credit card company, the package was refused from the post office and an rma number was written on the package, and was sent back, the package couldn't be confirmed delivered back to the merchant according to the post office because of it not being scanned n I have no control over that n the credit card company initially give me the refunds back for XXXX n XXXX but then reversed the credit n put the charge back on my account for XXXX n that is extremely unfair that the credit card company wont reverse the credit charge n credit me back the refund of XXXX n they closed my case very unfairly n I want to dispute this n make a complaint against them and that merchant is very shady n each time I try to resolve this they constantly lie to me n refuse to give me back my full refund and they are a very unscrupulous company and I wish I never purchased anything from them.The package was refused from the post office, and I have no control what happens with the package, the tracking number was on there, so either the package got lost or the merchant is lying about the package not being delivered because that merchant lied to me numerous times over the phone about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is about Equifax Credit reporting. I have tried to get my report from Equifax 3 times now and I keep getting the same message ( I can not get my report online ) they want me to send documents to them proving my identity. I have had no problem with XXXX XXXX or XXXX and have been able to get my reports from them. I am sure the problem comes from my disputes with XXXX. They had all kinds of things in my report that affected me very badly concerning job applications being refused. I am an honest person, I do not have a perfect background, however, I own up to my mistakes of the past and do not need any more derogatory items on my report. When I questioned XXXX as to where they ascertained the information they had, I was told it came from Equifax. I am XXXX years old all I am asking is for the information on me to be reported correctly. This is just getting very old, I am tired of defending myself. I am a nice person, I only want to be treated fairly. If it is so hard for these companies to be responsible for reporting information correctly maybe it is time to sue them and let them know this is not a game and people deserve not to be slandered. 
Thank you for your help. 
XXXX XXXX XXXX XXXX Bless America

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been facing a series of challenges with your Capital One Venture card since opening the account in XXXX. Despite several attempts to receive the card, me and my authorized user had difficulty receiving it due to an incorrect address on file. Once I began using the card, my partner 's account was compromised, leading to the need for new checks, account numbers, and cards. In addition, I switched banks from XXXX to XXXX due to a lack of physical XXXX locations in your area. 

Unfortunately, Capital One then restricted all of my accounts with them due to an old account number saved for payments that had not been updated, causing payments to be returned. You attempted to provide documentation and proof of your current account, but Capital One required a statement within the last 90 days, which was not possible as your account had been closed, and you had opted for paperless billing. Despite notifying Capital One, they insisted that the only way to unrestrict your account was to provide the requested documentation. But they have no issues with taking my money from my updated account and still giving me no service. 

To make matters worse, my account has been subject to unauthorized fraudulent transactions that have reached their limit, and Im are still making monthly payments for these transactions. Even though it is still restricted. Capital One has refused to address the fraudulent transactions until your account is unrestricted, yet they have not provided any assistance in un-restricting my account. Each time I have contacted them, Ive been referred to a special department that says they will send my account up for review and that they can't help me because my account is restricted, but it has been almost six months, and there has been no resolution. This situation is causing undue stress and affecting my mental health, and my credit score is being adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from One Main Financial with a request to refinance my account and funds were available after refinancing. However, they added more money to my account and fraudelent placed on my account 2 different amounts of refunds totaling {$3600.00} and {$110.00}. After One Main fraudelent placed those amounts on my account. My account increased to {$18000.00}. i had paid off {$2800.00}, a total of one years worth of payments.. The company sent an ACH to my account a total of {$2900.00}, after I left there ofn XX/XX/2018. I spoke with the manager and XXXX XXXX and asked him to fix this account because it is incorrect and he says it was not. I did not receive these monies in my account or under no circumstances. I can not believe that he expect me to pay for monies that I have not received. This is outright fraud. I do not know if he or his employees received thi money and is trying to make me pay for it. I have all the documentation to confirm what I received and was distributed to me. He also placed the amount of finance charges back on my account to bring it to a total of {$18000.00}. Please advise. I appreciate your time and concern with this matter. It is fraudelent and unwarranted, incorrect and creating a hardship.

Company response to consumer: Closed with explanation