davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (GA)

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of charged-off accounts on my credit report and the failure to issue a 1099-C form, as required by law. 

Account Information : XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$1000.00} Credit Limit : {$800.00} ( Account utilization 125 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$750.00} Credit Limit : {$500.00} ( Account utilization 150 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  XXXX Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$3700.00} Credit Limit : {$3000.00} ( Account utilization 123 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' Violation of FCRA ( Section 1681 ( e ) ( b ) ) : Under the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and up-to-date. All three accounts listed above have been charged off and are reported inaccurately, negatively affecting my credit score and financial standing. Additionally, despite the charge-offs, I was never provided with 1099-C forms, which are required when a creditor cancels a debt of {$600.00} or more.

Details of Violations : 1. Failure to Remove Charged-Off Accounts : The accounts were closed earlier in XXXX, yet they continue to be reported inaccurately, affecting my credit utilization and overall credit health. 

2. Failure to Provide 1099-C Forms : Neither XXXX XXXX, XXXX XXXX, nor XXXX XXXX has issued a 1099-C form for the canceled debts. This omission violates IRS guidelines and affects my tax reporting obligations. 

Given these issues, I kindly request the following actions : 1. Immediate Removal of Charged-Off Accounts : The accounts should be removed from my credit report due to the failure to meet FCRA accuracy requirements.

2. Issuance of 1099-C Forms : I request that XXXX XXXX, XXXX XXXX, and XXXX  XXXX issue the necessary 1099-C forms for the charged-off amounts as soon as possible.

3. Correction of Credit Report : Please ensure that my credit report reflects accurate information regarding these accounts. 

I trust that you will investigate this matter promptly and take the appropriate corrective actions. Please notify me of the status of my complaint and the steps taken to resolve these inaccuracies. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX XXXX  high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (FL)

I recently had fraud happen to me.  So this topic is very important to me.  I went through my credit scores and finances.  I noticed two debts owed to an "Advanced Collections."  One account was opened in XX/XX/XXXX for XXXX dollars.  The other was opened in XX/XX/XXXX for XXXX dollars.  I then sent a validation letter via certified mail to Advanced Collections. I then waited a few weeks and they sent something back.  I expected something signed saying I owed money and instead they send me no Validation to owing on these these debts.  During this time, said debt is on my credit report, damaging my credit report and influencing decisions on loans, credit cards, insurance, etc.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (VA)

Just paid off an account with this company. Reapplied and was approved then seemingly denied for an inability to verify my identity ( after submitted a REAL ID - state issued, with current info matching all 3 credit reporting agencies ). The adverse action letter didnt specify what information could not be verified so that it could be corrected which violates FCRA . Furthermore, I had to agree to have my personal information and biometrics provided to XXXX ( a 3rd party verification company ) that would keep this on file for 3 years. 

I called and spoke to XXXX XXXX who wasnt able to provide me with any information regarding this so that it could be corrected and advised to reapply ( with the same info ) in 30 days perpetuating the existing issue.
Consumer complaint received 2024-01-09
Product: Credit 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: TD BANK US HOLDING COMPANY (FL)

I reported fraudulent charges on my credit card statement to TD Bank in the amount of {$790.00} for XXXX XXXX XXXX XXXX XXXX shoes from XXXX XXXX XXXX XXXX. 
I am XXXX XXXX XXXX and live on a XXXX income in a XXXX XXXX XXXX. I did NOT make these purchases and I did NOT receive these purchases. The XXXX proof-of-delivery statements show that these purchases were sent to addresses ( not disclosed ) in XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  My address is in XXXX XXXXXXXX XXXX which is hours away. 
TD Bank sent me a letter saying that fraud did not occur. I don't understand this determination? They also stated that the transaction ( s ) appear to be authorized/consented by me and that I benefitted from the transactions! 
How is this possible? This was an obvious scam and now I am suffering from the negligence of this bank and it's failure to protect my account.
Consumer complaint received 2024-01-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Dividend continue to ignore my emails and requests for appropriate documents. I have contacted them a number of times and I receive no response. despite those email addresses from Dividend being responsive in the past.

They still have not provided me the requested documents. 
1. A copy of my complete file 2. The Agreement between Dividend and XXXX XXXX. 
3. Documents from Dividend Finance confirming each milestone installation were met with XXXX XXXX ( photos, receipts, permits, inspections etc. ). 
4. Documents authorizing Dividend Finance to release monies to XXXX XXXX on consumer behalf? 
XXXX. Documents from either the State or Federal Government crediting Dividend Finance for any solar incentives.

Despite my efforts my email requests to Dividend goes unanswered.

Dividend have also placed a lien on my home without notifying me, which I discovered on my own via my county clerk website.

They the lender are in violation of the Florida lien law by not providing me with a copy.

when filing a UCC Financing Statement that has been recorded, a copy must be sent via registered mail ( return-receipt requested ) to properly notify the owner. Apparently, these steps were not followed. But that is not surprising given the way Dividend has handled everything so far.

When I discovered the lien I also discovered a notarized document from XX/XX/2023 with my signature forged on there. 
I never signed nor was in the presence of a Notary ever for any Dividend  or XXXX XXXX documents. there are quite a number of their consumers with this very same complaint. 
Florida law prohibits a notary from notarizing any signature if the signer is not present at the time of the notarization.

Dividend are hiding behind criminal activity through their contractors, trying to wipe their hands " free and clear '' of responsibility ( permits, inspections pto, warranties etc. ) just to turn around to intimidate and demand the Homeowners to pay them back. 

Paid XXXX XXXX, in advance, prior to installation being complete and accepted loan payments from XXXX XXXX on my behalf when installation was NOT complete. 

Some of the COMMONALITIES that others and I share with the Lender 's actions are .... 
1. Forgery 2. Fake email addresses ( documents were never received ) 3. Deceptive sales tactics and intimidation tactics used to coerce consumers to sign undisclosed documents during sales pitch ( Lender was on phone with sales rep!! ) 4. Targeting the XXXX  and elderly  5. Promising false tax incentives and in return increasing monthly payments 6. Targeting low-income consumers 7. Promising deceptive low interest rates and in return increasing the rates
Consumer complaint received 2024-01-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc. (SC)

Dear CarMax Customer Relations, I trust this letter finds you well. I am writing to bring forth serious concerns regarding the handling of my personal information by CarMax, which appears to conflict with South Carolina Consumer Protection Code ( Title 37, Chapter 5, Article 1 ) and the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

I assertively request written documentation of any alleged consent I may have provided for CarMax to access and share my personal information, in strict accordance with South Carolina law ( 37-5-108 ). This documentation is crucial for addressing concerns about the legitimacy of such access.

Furthermore, the absence of a detailed payment history for the debt in question raises significant concerns related to FCRA 1681s-2 ( a ). I am confident that CarMax can promptly provide the necessary documentation to validate the existence and ownership of this debt.

In addition, I assert my right to dispute and request the immediate removal of this unverified entry from my consumer report, as stipulated by FCRA 1681i. I believe this is a reasonable and necessary step given the current circumstances. 

I am confident that CarMax understands the importance of compliance with relevant laws and will take swift and effective steps to rectify these concerns. I anticipate a timely response within 30 days, which is crucial for addressing and resolving these matters. 

Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (NC)

The public record continues to remain on my credit file. 

XXXX XX/XX/2023, submitted a request for deletion XXXX XX/XX/2023 XXXX XXXX response showing public record is unverifiable Numerous disputes have been submitted going back several years. I made phone calls to customer service and even contacted the legal department. I have made several verbal and written requests for proof that this public record exists. They referred me to XXXX in written responses and information provided on their website. 

XXXX is the provider and verifier for public records. I have contacted and received documentation from them. They have informed me the public is unverifiable but Equifax in writing states the opposite. With all the documents I provided showing that this is false and inaccurate information, they refuse to delete it from my file.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DELETE PREVIOUSLY EMPLOYERS * ADD THE CORRECT EMPLOYER ( XXXX XXXX ). 
PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * PLEASE CORRECT MY DATE OF BIRTH ( XX/XX/XXXX  ) * PLEASE DELETED CURRENT ADDRESS ADD ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) * PLEASE ADD MY EMPLOYER ( XXXX XXXX ). 
PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DATE PREVIOUSLY ADDRESS * ADD MY CURRENT EMPLOYER ( XXXX XXXX ) PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 


PLEASE SEE ATTACHMENT!!!
Consumer complaint received 2024-01-08
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. (TX)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 and XX/XX/23 ). Please investigate and provide prof with statements showing that these payments were late. If proof can '? be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IA)

My student loans were all discharged through XXXX XXXX XXXX XXXX XXXX lawsuit. I have been calling the Department of Education and Nelnet for several months trying to get my loans that were supposed to be discharged straightened out. I have filed complaints, requested call backs, asked to escalate the issue and asked several direct questions and I GET NO answers. Every time I call, I am told it takes time, call back in a month, keep checking your account. My servicer has stated that have received notification from the Dept of Ed that all of the student loans are to be discharged. My servicer will not move forward and discharge my 2 student loans that remain because they say they have not received payment from the Dept of Ed to discharge them. The Dept of ED states that all of my loans are coded as being discharged that there is nothing further that they need to do to reach out to Nelnet. I have uploaded documents and get no response. The Dept of Ed points the finger at Nelnet and Nelnet points the finger at the Dept of Ed. They have been given a full year to have all of this resolved and to have all of the student loans removed from my credit report and failed to do so. I have been told don't worry about it by Nelnet.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XXXX. XXXX, 2023 at XXXXXXXX XXXX {$130.00} Unauthorized transaction On XXXX. XXXX, 2023 at XXXXXXXX XXXX {$16.00} Unauthorized transaction On XXXX. XXXX, 2023 at XXXXXXXX XXXX  {$130.00} Unauthorized transaction. 
Before these listed transactions, I have no recorded history in cashapp of shopping with this particular merchant ( XXXX ). It was not until the third transaction that I realized the unauthorized transaction. On XXXX. XXXX, 2023 I filed a dispute with cashapp of unauthorized transaction and report card stolen. On XXXX. XXXX 2023 cash sends email of the acknowledgement of my dispute and its investigation into the issue, and email that new card is on the way. I also question my wife, cause she does shop with this merchant ; she has not used my cash card, nor is there any record of it in her account with the particular merchant. On XXXX. XXXX, 2023, cashapp released a " temporary credit '' of {$130.00}, added to my account as they still continue to investigate. On XXXX. XXXX, 2023 cashapp sent my account into the negative reversing the temporary credit from my cash balance, denied dispute. I responded on same date with email requesting documents used as proof. Cash app has not answered my request and again denied my dispute on XXXX XXXX, 2023. I also contacted the merchant about these unauthorized transactions, per cashapp reccomendation. No remedy has been made by cashapp or by the merchant ( XXXX ).
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

I bought a XXXX XXXX XXXX in XXXX because of divorce and poor credit, I was given a predatory car loan by Santander who has been fined for predatory lending practices by The Federal Government. 
When the pandemic first hit, I turned my car in voluntarily because I was concerned about my finances ( this was before government subsidies ) .Santander sold my vehicle but there was a remaining balance which I could not afford. Since then, I am now on food stamps, Medicaid and am awaiting a decision on XXXX because of a XXXX XXXX In XXXX I became seriously ill with XXXX XXXX and my XXXX XXXX XXXX Last year, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do know there is a Government program to remove negative credit reports during The Pandemic and I would like this Collections to be removed from all three credit bureaus.Santander are a bunch of crooks that prey on the poor and they deserve to be fined again for predatory lending practices! 
Please help me!
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (IA)

Explained situation to lender. I have medical issues that caused me to become behind on my loan. Been trying to pay as much as I can but was told by lender to not even bother paying because they are repossessing it anyhow. I was in the hospital in XX/XX/XXXX  for a serious illness, my employer did not pay me in XX/XX/XXXX  and I have a chronic illness that makes it difficult to work at times. Santander is also Robo calling my phone several times a day. They have also not applied any of the payments that I have made towards the loan to begin with. They are a predatory lending company, I am paying close to 27 % interest on a car that is 10 plus years old. The dealership that also sold it to me knew that I needed a vehicle to get to work and doctor appointments and took full advantage.
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (SC)

I was involved in a car accident in XX/XX/. The car was declared a total lost. The adjuster from XXXX XXXX XXXX XXXX XXXX handled the payment of the vehicle. There is currently a negative reporting on my credit report stating that there is a balance owed. There is no longer a balance on the car. I no longer have the vehicle and it has been paid off via the insurance adjuster. Please correct this on my credit report with all three bureaus. It is negatively affecting my credit score.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had autopay set up with my Citizens Bank mortgage. The payment was supposed to go through on XX/XX/XXXX, but because that was a bank holiday, it went through on the XXXX. However as of XX/XX/XXXX, the account was only updated as of XX/XX/XXXX. The website told me that I was one day late on a payment, and so I immediately made a manual payment, thinking that autopay had not worked. However, it had and I had made an additional payment, which I now will not be able to get back quickly. 

The website gave me false information. It should not have informed me that I was one day late on a payment if autopay was set up. This was a failure in website design which gave inaccurate information that was relevant to my financial wellbeing. As a result, I will be out over {$3400.00} this month and will struggle to make my other expenses.