davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX Credit Bureaus has fail to do an accurate and fair investigation on my XXXX XXXX XXXX dispute. XXXX XXXX XXXX filed a 1099C and has stop all collections/ forgiven this account. This account is no longer a debt, It was claimed as income for 2022 tax year. XXXX has already deleted this account, but Experian XXXX XXXX has falsified information on their investigation. Income is not suppose to be report on a consumer credit report. 

Internal Revenue Service ( IRS ) Publication 525, " Taxable and Nontaxable Income, '' In general, a Form 1099-C, Cancellation of Debt, is used to report canceled or forgiven debts. The IRS generally considers canceled debt as taxable income, with certain exceptions. If a creditor cancels a debt you owe of {$600.00} or more, they are required to file Form 1099-C with the IRS and provide you a copy. The amount of canceled debt reported on Form 1099-C is generally included in your gross income, which means it may be subject to income tax. 

However, there are some situations where canceled debt may be excluded from taxable income. These exceptions include : Debt canceled in a bankruptcy proceeding. 
Debt canceled when you were insolvent ( your liabilities exceeded your assets ). 
Certain farm indebtedness. 
Non-recourse loans ( loans for which the lender 's only recourse in case of default is to repossess the property that serves as collateral ). 
Qualified principal residence indebtedness ( canceled mortgage debt on your main home ). 
These exceptions and their specific requirements are detailed in IRS guidelines and should be reviewed carefully to determine if they apply to your situation.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (DC)

I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTARCT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! this company is committing fraud AND ILLEGAL ACTIVITY BY RE-AGING A NON LEGITIMATE DEBT!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DSICRIMNATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

In XXXX of 2023, I received a notice from XXXX XXXX  stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to XXXX XXXX, requesting validation. XXXX later provided an account statement from XXXX XXXX, but failed to provide a contract or a signed finance agreement as requested. nor did they provide proof of their right to collect on this alleged debt. On XXXX XXXX inaccurately reported this account to XXXX, Experian XXXX XXXX XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. Instead of deleting this account as being inaccurately reported, XXXX allowed XXXX to Update the inaccurately reported account and changed the creditor to XXXX XXXX. XXXX also accepted a fraudulent account statement to substaniate this debt without requiring a signed agreement or contract for services. If they had, they would have discovered there was none. They also would have discovered that XXXX claimed to provide additional coverage outside the coverage period without authorization. 
XXXX did not stop collection procedures until the debt was validated. Prior to this XXXX XXXX  report I had a! 00 % payment history and XXXX XXXX XXXX. I believe XXXX, XXXX, Experian XXXX XXXX XXXX violated the XXXX debt reporting act.
Consumer complaint received 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been attempting to have a fraudulent account removed from credit report. Every time I send a letter to Capital One asking for information about this fraudulent account or to dispute I receive a letter back and I'am simply told " We are following up on a fraud notification that you recently filed with Capital One stating that you believe there is fraudulent activity on your Capital One account. Unfortunately, with the limited information that we received from you, we can see no evidence of fraud on your account and we are not taking any action at this time. '' The problem is THIS ISN'T MY ACCOUNT!!! Capital One refuses to do anything other than send out form letters claiming this account is mine when it isn't. I have filed a police report and an FTC report. One time they claim they had my drivers license but any could have had that and uploaded a copy of it. I want to see where I signed for this credit card and received ANY benefit from it. Trust is there isn't because someone else clearly used this card and Capital One REFUSES to do anything about this!
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MI)

Seems that CITIBanks knows that you are backing them and their fake and forged documents! I am getting phone calls from their collection agencies in XXXX and XXXX four to five times a dayXXXX, XXXX, XXXX, and about 20 other number that they are using>>> These people tell me you pay go to jail if dont '' Or we get you VA and SS checks, or we put your family in jail too. PAY NOW!! 
Seems that they have my SS number, my old bank account numbers ; I change banks after I paid off CITI Bank so that they could not hack into my bank account again! CITIBanks Agents know my My CITI BANK, XXXX XXXX, XXXX credit   card Numbers!!!!!! And CITIBank agents in XXXX and XXXX know that I am a XXXX veteran collecting service connected pay from the VA!!! 
All this information was given to CITIBanks contractors in XXXX and XXXX to try to get me to pay them {$20000.00} that the charged my account in volition of CITIbanks agreement with Administrative Proceeding File No. XXXX! 
CITIBanks agents in XXXX and XXXX both stated that CFPB couldnt do any thing to stop them from getting my VA and SS benefits for CITIBank they are out of country!!!!
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (TX)

I noticed the fraudulent account on my credit report on XX/XX/XXXX. It appeared on my credit report on XX/XX/XXXX via the Experian Credit Bureau. It stated that my account was 90 days passed due, that I owed {$3500.00}, and that the account was opened on XX/XX/XXXX. I called the number on the credit report and it lead me to XXXX, an Institution that I never heard of, they had no record of me based on my Social Security Number and my name. I have restoration services from MyIDCare and they verified that I had no account with XXXX ( XXXX XXXX XXXX XXXX XXXX ). They started a dispute on my behalf. I then received the results from Experian on XX/XX/XXXX stating that the information was accurate. I called my restoration team but have not been helped from then since. I called XXXX again and they told me once again that they had no record of me. They said that the company XXXX ( XXXX XXXX XXXX ) handled their accounts. I called them and they also have no record of my SSN. I called XXXX once again and was told that the account was from XXXX. I called XXXX and they have no record of my SSN. They did not want to give me more information on the account. I also noticed that Experian had a different Social Security Number that according to them was a " variation '' of my Social Security Number that they associate with my account. The SSN variation they have is completely inaccurate and is not even close to mine. When I attempt to call Experian I get put on hold for 10 minutes and then they hang up. This is not my account and Experian is the only credit bureau that seem to know of this account. XXXX and XXXX don't have it. I suspect this to be a mistake from Experian. I have no documents to upload because none of the companies that Experian states as accurate information have any record of me.
Consumer complaint received 2023-06-12
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: Carvana Group, LLC (CA)

I am getting multiple HARD INQUIRIES on my XXXX app. 
1. XXXX 1 XXXX XXXX 2. Carvana XXXX. XXXX XXXX  XXXX 4 XXXX XXXX XXXX I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

Unexplained Over draft Fees dating from XX/XX/XXXX- XX/XX/XXXX Ive called and asked multiple times for some type of explanation and I get told the same things an over draft fee
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MS)

In XX/XX/XXXX, after personally tracking my student loans down because as I was informed, they were sold to several different companies. In that time, the loans either went into default or into collections. At any rate, after several attempts in talking with Transworld system who I was repeated told had my loans although they could not locate them for at least 2 months of which I continually inquired about them. 

Finally in XX/XX/XXXX, someone was able to locate the loans and I responsibly set concurring payments on my student loan account with the collection agency, Transworld system. From XX/XX/XXXX, I have made consecutive payments through automatic drafts, and in that time up until this date XX/XX/XXXX, this account continues to show delinquent on my credit report. When I was first turned down for a loan, I called Transworld to inquire about the credit reporting and a representative faxed me correspondence showing that I was not delinquent, which was accepted by the lender however, it has never been updated on my credit report. 

Just recently, I contacted Transworld to inquire about the reporting and was informed that even though my payments are secured, the reporting will show delinquent until the loan is paid off. I was told in the past by the representative that furnished my the correspondence to send to the lender that because my credit agreement is being satisfied, she did not understand why it was being reported delinquent. 

This is indeed by question as well. Is there not a way to show that the terms of my agreement are being met? Can someone please assist me in resolving this matter?. 
I have attached the correspondence that details my agreement and will supply any other necessary documentation to show these payments are drafted automatically from the account listed on the agreement.
Consumer complaint received 2019-06-12
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: EQUIFAX, INC. (NJ)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On or about XX/XX/XXXX, I was informed by my account to remit payment in the amount of {$550.00} for my XXXX tax services. I asked to use PayPal in which he, XXXX XXXX, agreed. I asked him to confirm if XXXX XXXXXXXX was his PayPal and he confirmed it was. I submitted the payment. A few minutes later, XXXX XXXX informed me he did not receive my payment. I asked if his email for the PayPal account was XXXX and he said no. I further explained that this was the email associated with XXXX XXXXXXXX. I immediately contacted PayPal to stop the payment. The payment showed it was in the pending status for further investigation. I also submitted an invoice to the XXXX just in case. 

I attempted to submit payment to XXXX XXXX in the amount of {$550.00} for the XXXX tax services though PayPal. I accidentally selected friends and family vs business. PayPal informed me the transaction was authorize despite it being the incorrect user. I asked if PayPal can assist me in obtaining the payment back from the user or provide me with additional information and they declined. I informed them I did not receive any services from the incorrect user. I contacted my bank and they informed me I would need to settle the matter with PayPal. The company, PayPal has access to information to inform me whether the user with the email XXXX has accepted the payment, transferred the payment, or if the payment is held in a balance. PayPal has access to obtain these funds back and refuses to do so. 

On or about XX/XX/XXXX, PayPal completed the transaction and denied my claim. I emailed and contacted PayPal on the phone that same day and asked for an appeal. I made other phone calls to PayPal and was told that since the transaction was completed, I would not be able to get my money back. However, I requested the payment not to be completed. PayPal completed the transaction dispute my attempts to revert the payment. 

I had to subsequently remit payment to the real XXXX XXXX through XXXX in the amount of {$550.00}.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A. (NY)

I have a car that my husband & I purchased back in XXXX with Citibank as the Lien holder. The vehicle was paid off in XXXX. We never received the lien release from Citibank and they are still on our title. We have tired effortlessly to contact them but no one was able to help us.
Consumer complaint received 2021-02-12
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: WELLS FARGO & COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Wells Fargo Card Service and XXXX XXXX. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting a 30 day late on the XXXX account number XXXX. The date of last activity was in XXXX, 2017. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriFirst Financial Corporation (OH)

We opened our first mortgage on a house with the loan servicing company Amerifirst. The loan amount was approx. {$170000.00} and we closed on the house XX/XX/2019. XX/XX/XXXX, we received a letter from XXXX XXXX notifying us that our mortgage loan had been sold to XXXX. At no point had we been notified by Amerifirst prior to the projected sale, and we have yet to date been contacted by Amerifirst to notify us of the completed sale. We confirmed the sale by calling Amerifirst directly and having them report to the status of the loan. We understand this is a standard process in loan servicing, but I was under the impression that a loan servicing company is required to notify the home owner of a mortgage loan sale no less than 15 days before the sale. We did not receive such a notification.
Consumer complaint received 2024-10-08
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$18000.00}, XXXX XXXX. {$400.00}, XXXX XXXX. {$2100.00}, XXXX XXXX. {$1400.00}
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group (DE)

I have disputed these accounts with Waterfall Revenue, or A-1 Collection Services, or XXXX XXXX XXXX, or whatever their name might be, because the accounts appear to be duplicate accounts. I sent them a letter to ask for their clarification, and it was returned to me because their address was incorrect. They are reporting 9 accounts with the same account numbers, and the same amount of money! I am very confused, I've asked for clarification, I've received nothing at all in return, and I can not dispute the account because they don't know how to report! ALL MY RIGHTS ARE BEING VIOLATED!
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XXXX I have contacted Equifax more than 5 times due to the Company reporting inaccurate information on my credit report They are reporting a XXXX XXXX XXXX  on my report that is not ONLY inaccurate but it also has several inconsistencies- The High Balance is Incorrect The Account is reporting as Charge Off - Yet it is reporting a balance which is INACCURATE reporting They are failing to provide me with proper documents to verify this account! They only responded in XXXX of 2021 stating the account is verified and they failed to respond to reinvestigation request! 

The account has tons of errors and they are not properly verifying nor honoring my right to dispute information on my credit file!
Consumer complaint received 2019-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (AZ)

I have had an account with Cash App for years and never had an issue up until XXXX. They app unexpectedly closed my account stating I violated their policy which was never explained. In the process of closing my account, I have a cash balance of {$410.00} that has been paid to me by different people which has been withdrawn from their account. Cash App has blocked me from receiving these funds and will not allow me to access my funds. I have went through their verification process twice, I have contacted them via XXXX, In App Support and Emailing and have been receiving automative responses. Please help me receive my funds as this has been a disaster. Thank you
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit takes too long to increase and for just ONE MISSING payment went down more than XXXX points, thats not fear, it tooks me more than a year grow my credit and in a day you put it over the ground. Completely UNFAIR. I understand that has to go down but not from XXXX to XXXX  for just one missing payment. I need more respect and see my payment history is excelent.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

I paid off a debt with PDQ. I disputed it with the bureaus. PDQ responded to the dispute and left it on the file. This is an attempt to continue to collect a debt that I DO NOT OWE. The Fair Credit Reporting Act provides that the creditor has the same requirements to process a dispute in 30 days as the credit bureaus do. 

I disputed this directly with PDQ. They did not correct the balance in the 30 day window.
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NJ)

During the year XXXX  my husband was XXXX of XXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as XXXX on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my credit score. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
XXXX XXXX XXXX XXXX Can you please help me remove these charge off accounts?