davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

There are several hard inquiries on my report that I did not apply for including inquiries on the following dates from the following companies : TWO inquiries from Capital One on XXXX XXXX, XXXX ( I already have a Capital One Credit Card, and I have received several emails about a breach with this company. I never applied for another credit card with them since I already have a credit card with a {$500.00} limit from them ). 

Capital One on XX/XX/XXXX ( This is when I was initially approved for the credit card that I currently have with Capital One. However, I was approved for this, so it shouldn't be under hard inquiries ) XXXX on XX/XX/XXXX ( I have never heard of this bank in my life, and I did not apply for a credit card at this time. ) Dept. of Edu on XX/XX/XXXX ( No loan was submitted through the Department of Education. XXXX XXXX  had me go through XXXX, which is a different institution. 

XXXX Fce on XX/XX/XXXX ( I did not apply for a credit card with this bank. I am attending XXXX school online here ; however, I did not apply for a bank account or credit card with an institution that is not even in my state ).
Consumer complaint received 2024-12-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (NV)

Kia Finance Of America has charged off an account on my consumer report. I Have yet to receive my 1009-C. The car has been repossessed, sold and has a title Lien on it with another consumer. Why am i being charged for something re sold and in another contractual agreement. This is fraud and illegal. A violation of my Rights as a consumer. as well as a violation of the United States constitutional laws. As outlined by the Fifth Amendment to the United States Constitution, I have a right to due process, which includes the protection of my property rights. In this case, the erroneous reporting of this charge-off with a balance constitutes a violation of my right to accurate representation of my financial history. I believe that this account does not reflect the true nature of the debt, or the amount that is owed. Due Process under the Fifth Amendment : The Fifth Amendment of the U.S. Constitution guarantees due process, which includes the right to be informed of actions that affect ones rights, including financial obligations. When a creditor cancels a debt, it triggers potential tax consequences that should be disclosed to the consumer. The failure to provide a 1099-C form interferes with my ability to properly comply with federal tax laws, thereby depriving me of the ability to understand and respond to my legal financial obligations. This lack of notification deprives me of a fair process in managing my tax responsibilities. 

Right to Equal Protection under the Fourteenth Amendment : The Fourteenth Amendment guarantees equal protection under the law. By not issuing Form 1099-C for canceled debt, I am being treated unfairly in comparison to others who may receive the necessary information to fulfill their tax obligations. This disparity in treatment may constitute a violation of the equal protection clause, as it subjects me to potential penalties for non-compliance without informing me of the necessary reporting requirements.

Right to Protection from Unlawful Taxation : The Constitution, as interpreted by the courts, protects citizens from unlawful taxation. When a creditor cancels a debt, it is a taxable event under federal tax law. Without the issuance of the 1099-C, I am unable to accurately report this cancellation to the IRS, potentially leading to improper tax assessments. By failing to provide me with this form, I am denied the ability to fully exercise my constitutional right to protection from incorrect or excessive taxation.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX 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 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

I contacted XXXX XXXX  to inquire how utilities were turned on in my name in Pennsylvania. I am a South Carolina Resident. I was informed that a caller with my information was able to obtain utilities using my name and social security number. I was told there was no identification verification conducted. No photo identification or signature was obtained from XXXX XXXX before starting this account. This debt does not belong to me. I have tried to explain this to the Argon Agency as well as XXXX XXXX. This debt remains on my credit report fraudulently. Please provide proof of ownership such as a lease with photo Id and wet signature or remove from all credit reports.
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

CFPB 1. USAA continues to lie to me and commit fraud. After talking to many tax attorneys, Certified Public Accountants, reviewing IRS documentation, and watching many videos on the subject it is clear to me that once a 1099-C is issue and a debt is forgiven or canceled the lender can not continue to attempt to collect money from the borrower ( double jeopardy ).

2. After the Great Depression the government passed many laws to protect the American people. After the Great Recession of 2008 the government again passed many laws to protect consumers and borrowers from predatory and unfair lending practices. Many were lost everything and were left homeless like myself. 

3. I had two loans with USAA. One Home Equity Loan ( HEL ) and one credit card loan. The home equity loan debt was resolved and settled by USAA in XXXX and a 1099-C was issued by the IRS. The credit card debt was resolved and settled by USAA in XXXX and a 1099-C was issued by the IRS. USAA has continued to try to make me pay for these cancelled and forgiven debts. 

4. In XX/XX/XXXX USAA said they had a right to change the 1099-C ( false and fraudulent act ) and demanded that I pay {$4600.00} to settle the debt. I did not know better so I paid them. Now they want me to pay the {$54000.00} for the HEL that was forgiven and cancelled in XXXX. 

5. USAA is committing fraud and unfairly taking advantage of veterans and their families. Ive tried to settle this with USAA for several months and they keep giving me false information and making illegal and unreasonable demands. They are in violation of Consumer Financial Protection Bureau ( CFPB ) and Fair Debt Collection Practices Act ( FDCPA ). 

6. I am providing copies of the 1099-Cs and other reference material that clearly explains the law and supports my position. Please take appropriate action against USAA and get them to refund me my {$4600.00} that I gave them when I did not know this debt had been forgiven, cancelled, and resolved by the IRS and USAA. 

V/r XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My Student loan from Dept of Ed keeps saying Im 120 days past due and I am caught up. I have been working very hard. My husband has been in XXXX almost a year from XXXX XXXX, he was out of work for a year and a half and I lost a lot of time as I was his caregiver. I do not understand why my credit scores are not higher? We had to take a 2nd mortgage to pay off stuff. XXXX said they were paying off all my student loans and I did not realize they left 2 not paid.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

this creditor has ignored my request for documents requested such as : " 1- detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; 2- the photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ) ; 3-an itemized statement breaking down the balance you claim I owe ; 4- and any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. '' 5- the Vice President himself states that they are not reporting a payment of {$9.00} " XXXX XXXX has not received any {$9.00} payments during XXXX, and has not reported any such payments to the credit reporting agencies '' ( letter attached ) in the credit report attached there is clearly not 1 but 3! payments of {$9.00} reported for the months of XXXX, XXXX and XXXX of XXXX. 
NO documents or contracts has been provided as requested bearing my monetary signature agreeing to pay this alleged debt or agreeing to open this account. 
6 - they state in letter attached that they are not reporting inaccurate information and in my credit report you can clearly see where they report to XXXX a late of " 30 days '' on XX/XX/XXXX and on the same XX/XX/XXXX to Transunion they report " on time '', on XXXX they report to XXXX a " 60 days late '' and to Transunion they report a " 60 days late '' and it goes on and on. ( proof is attached in documents ). ALL my inaccuracies claims can be clearly seen in attached documents to this complain.
Consumer complaint received 2023-02-27
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. (DE)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX  XXXX XXXX/XXXX/2023 ( Original Creditor : ) XXXX Balance : {$73.00} ( Original Creditor : ) XXXX Balance : {$91.00}
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX .... balance {$8900.00} XXXX XXXX  XXXX .... balance {$1200.00} XXXX  XXXX .... balance {$0.00} XXXX XXXX XXXX XXXX  XXXX .... balance {$12000.00} XXXX XXXX XXXX XXXX XXXX .... balance {$0.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I send Experian proof that this account is showing twice which they said were verified and accurate which isnt how can this be accurate if it showing twice.i am not accepting any updates they had more than the time aloud by law and extra time.i am seeking a {$1000.00} are more for this hardship Experian credit reporting is causing me
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NC)

On XXXX I paid my Apple Card in full {$130.00}. Unfortunately I was in an auto accident That weekend and the rental car company kept my XXXX deposit. I knew the apple payment had not cleared so I called and asked them to not take the payment until XXXX  XX/XX/2022. They agreed. However now my balance is doubled. They said its my banks fault but its not. Back in XXXX I put a hold on the card at my bank due to not realizing what the charge was. It said Goldman Sachs. I didnt realize until this happened that thats why my card wasnt being paid and I took the block off
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (GA)

I sent in a dispute letter to your company about some items on my credit report. 
The following accounts XXXX XXXX XXXX shows 2 missed payments and XXXX XXXX XXXX 1 missed payments and XXXX XXXX  servicing is showing late payments I sent that letter and still have not gotten any response from your company under fcra you have to remove those late payments because you Equifax didn't do your job. under usc 1681 ( a ) ( 4 ) unfair reporting of information before consulting with me the natural person is illegal. you don't have proof that the alleged transaction took place. You are furnishing unverified information based off one sided information. and your company had a conversation with the corporation without my knowledge without my permission. 

1. ) you didn't investigate my dispute letter i sent on XX/XX/2021 it has been well over 30 days 2. ) you are reporting unverified information on my consumer report without my permission and knowledge Please remove these late payments and accounts immediately or I will be sending your company a invoice of XXXX dollars for each violation under fcra 3. ) 15 U.S. Code 1666 All supporting documents will be attached to this cfpb complaint
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi (HI)

I requested and was granted by SeedFi a payment accommodation ( deferral ) plan in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. SeedFi reported me late to the credit bureaus adversely affected my credit. SeedFi was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. SeedFi was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. SeedFi failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MA)

I opened an American Express Serve account in XX/XX/2019. After several weeks, on XX/XX/XXXX I received an email notice stating that my account was permanently suspended for " activity that was in violation of the Serve Member Agreement. '' I really don't know what that activity was, since all I did on the account was make some deposits and withdrawals. I called the number in the email, and the person I spoke with told me I was not possible to inform me the reason for the account suspension. 

I received a separate email a few hour later, also on the afternoon of XX/XX/XXXX, stating the following : " Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. '' Since that time, I have received automatic email reminders every Thursday indicating the balance in the account ( {$5.00} ), even though it is permanently suspended. 

I called American Express Serve at ( XXXX ) XXXX on XX/XX/XXXX to find out why the funds had not been returned to me and the gentleman I spoke with told me a check had already been issued. I waited two weeks and called again, on XX/XX/XXXX. This time, a supervisor, XXXX, told me that no funds had been issued to me and that American Express will not be returning the money. He claimed that the term of service I subscribed to give American Express the right to take the money and turn in over to the state. I could not find any such language in the agreement he cited. 

The representatives I have spoken with have insisted that I must write a letter to an address in Florida to know why my account was suspended. I have explained over and over that I do not need to know why they saw fit to suspend the account -- that is their concern -- I just want my money returned as I have been promised.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Upgrade, Inc. (PA)

I had a good relationship with the company for about a year. Suddenly, my direct payments stopped being collected though no action of my own. I tried to contact them to deal with it but couldn't get anyone on the phone in dozens of calls. Any email was automated and just said to call the same number. After finally reaching the company, I was treated horribly by customer service and was repeated denied access to a supervisor. Also, the online use is terrible. When I couldn't reach anyone direct, I tried to pay online but if your bill isn't current they say you have to reach that same number once again. It's a loop that couldn't be broken due to unprofessional and unethical business practices. I also asked repeatedly for my account to be closed, which they agreed to but never did. My credit is damaged, and the bill continues to say I didn't make payments which I did. They said I would be reached via phone to work this out approx. three weeks ago and have heard nothing back. They clearly have have some shoddy practices. I would like my account closed and my balance to zero along with investigation of Upgrade , Inc .
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (WI)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AZ)

NCB Management Services INC is a debt collector that purchased by charged off auto loan. When they purchased it they also reported to my credit bureau. and re-aged the account so it appears as new debt. It does not specify or reflect the original charge of date therefore lowering my score. Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
This particular agency isnt fallowing regulations
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (TX)

Mid XX/XX/2019 my husband received a letter from our previous lender stating his mortgage loan was being transferred effective XX/XX/2019. By mid XX/XX/XXXX We received a letter from the new servicer dated XX/XX/2019 and I noticed my name on the mortgage letter which had never been previously. The month of XX/XX/XXXX a statement was mailed out and again my name was on it as well. This set off a red flag which caused me to look at my credit report. I did get a couple of emails that were not read earlier but I paid it no attention. ( Previously we tried to refi to combine an 80/20 but were told it failed though due to a high DTI ratio. ) I'm not into debt this high because it's very stressful. This is stress and hard for me to sleep knowing I have this to think about. I like keeping my financials under XXXX. I pulled my credit report and found out this company has taken it upon themselves to add me to a mortgage in the amount of {$140000.00}. Wow this is crazy. Mid XX/XX/XXXX I requested a copy of the original Note and it was emailed. ( See attached ) I later called the customer service department and the did not have a clue as to why my name was added.