davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

has violated my rights. Or a 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 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-01-09
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. (MO)

I have disputed that my joint Mortgage with my Ex husband was included in my Chapter XXXX bankruptcy in XXXX of 2015 and my responsibility written off. Initially, XXXX put the prop. up for short sale then removed it. I called to inquire & was told I could not file on joint prop & resp was still mine too. I get monthly bills & yearly tax statements. 

Regarding the Two individual XXXX accounts I had, I paid both off long before my bankruptcy through XXXX XXXX. I have case worker 's number who can provide payment history. It has shown in the past paid in full, on time, closed long before bankruptcy was filed. XXXX just had not marked accounts closed. When I disputed, the payment history and dates of payoff were removed.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

has violated my rights. Or a 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 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (SC)

I have tried to be patient with Seventh Avenue. I am a faithful customer and pay my bills on time. I have NEVER been late. 

I have called them many times, talked to many Supervisors that promised to correct this issue and yet it still is affecting my credit report and scores. 

I've been denied because of the issue on other credit and vendor accounts.
Consumer complaint received 2023-09-08
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: DISCOVER BANK (MI)

The statements that are currently are an issue are as follows XX/XX/XXXX  {$500.00} XXXX {$1500.00} XXXX {$3000.00} XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX  {$1000.00}. The actions I took were reporting IMMEDIATELY after receiving notification of these charges occurring. I have been battling an uphill battle proving my identity and trying to prevent these charges from occurring since losing my laptop on vacation while in XXXX. The laptop was stolen while I was snorkeling which contained ALL of mu information from bank statements pending job applications with my social security number card information etc and ever since, there were unauthorized logins to my XXXX  which has since been resolved my bank account, credit card accounts, email, XXXX  and the list goes on. Unfortunately, all of my passwords were the same along with the same email ( I have since most definitely learned my lesson and changed all of my passwords ) however, the charges started to roll in shortly after this. Even before getting back into the United States, my bank account was breached with wire transfers going to the XXXX Police and after a few card transfers XXXX had me switch my bank to a new bank account. The charges did not stop, loan applications were made in my name, even more charges kept happening and I was continuously putting out wild fire after wild fire until the beginning of XXXX. I had took my phone to a XXXX XXXX  employee and explained what was happening as it was a last resort and recommended by a very helpful woman from XXXX fraud department. The XXXX XXXX employee was able to find 2 files on my cell phone under the root storage file that ended in XXXX and XXXX which he stated are used by hackers to mirror my device onto an external device and control it via a separate electronic device. I work 12.5 hour shifts on a military base and am unable to be around my phone so this access would go unnoticed very easily. Ever since the XXXX XXXX employee did what he did, not a single unauthorized transaction has occurred on any of mu cards. The problem appears to have been fixed however, I am still taking precautionary measures and limiting the amount of use my cards receive on online purchases as well as locking the cards after each use. All other companies have resolved my fraud issues the only one who has not is Discover.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Good afternoon is been several times the I try to fix my credit calling and send email to one specific credit bureau and always reject my claims I been working on fix my credit and have credit cards with different banks but with dif bureau looks like one is not help me it all I think is no fair why others bureau help me out and this specific one wont how can we do? Dont know how.
Consumer complaint received 2023-08-17
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: National Credit Systems,Inc. (GA)

I informed XXXX, XXXX, XXXX as well as debt collection agencies XXXX XXXX XXXX, National Credit Systems, 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 , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. XXXX hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I mailed a money order, in the amount of {$100.00}, to XXXX Chase Card for monthly payment due on the XXXX. When I received my XXXX statement, there was a late fee, in the amount of {$38.00}, charged. 
I called the company, on XX/XX/XXXX, to ask the reason. I was told because they " received it on the XXXX ''. 
I explained that the law is the mailing is effective/valid as of the date stamped on the envelope, by the United States Post Office . I further explained that I do not have control over or can account for when the USPS delivers mail, or, when the company receives it AND/OR DECIDES TO OPEN mail! Therefore, they must remove the late fee and cease and desist charging late fees for payments postmarked on or before the due date. 
They refused and claimed they only charge according to when my payment is " digitally received. ''
Consumer complaint received 2018-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (FL)

I am a XXXX XXXX XXXX XXXX VETERAN HAVE ASKED THEM TO REMOVE THE LOANS FROM MY CREDIT REPORT HAVE FAXED AND MAILED THE INFORMATION IN NUMEROUIS, TIMES, I HAVE ATTACHED PAPERWORK THAT STATES I AM XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (CA)

For years, I previously had accounts for years with Wise ( previously TransferWise ) without substantial issue.

This year, however, Wise has for months failed to resolve and remedy several failings that have been both directly and indirectly damaging for me personally and for my business : 1 ) That Wise has repeatedly held business transfers for weeks without notice and with no responsive means to resolve these hold. In multiple cases these holds were well beyond the stated timeframes for release 2 ) That Wise has for months held one business account in a state of " sanctions review '' despite that business 's having already provided valid, unexpired, up-to-date documentation as required to open the account. Wise continues to exceed the completion times provided for its own internal review it states to undergo in connection with several unresolved complaints I've lodged through email and phone conversations with Wise.

3 ) That Wise has cancelled inbound transactions while also failing to provide timely response regarding this months-long purported internal review.

4 ) That during the years of my use of Wise as a verified account-holder, Wise has demonstrated absent public policy, absent documentation, conflicting documentation, and conflicting accounts between various Wise representatives regarding these matters : - How to create, join, or access a Wise business account when a Wise user already has a Wise personal or business account - How to access, own, or manage multiple business accounts when one or more of the businesses require ( per security & compliance requirements ) accounts be made using email account ( s ) and domain name ( s ) authorized by and specific to that company - To what extent and by what means Wise supports having multiple profiles ( user logins ) given the dearth of clear policy, clear user experience, and accordant systems design around supporting multiple account access that also meets extremely common compliance requirements of client businesses- Wise 's demonstrated inability and/or refusal to reflect validated, approved account changes consistently throughout its services and interactions with customers and third parties - Wise 's demonstrated inability and/or refusal to address customers by their verified legal name ( s ) and or expressed title ( s ) or means of address - Wise 's demonstrated and extended failure to address almost universal misgendering in its customer support operations- Wise 's demonstrated failure to acknowledge the above and other failings and related failure to protect customers from the time-consuming and financially devstating implications of the corporate gaslighting implicit in the failings taken together
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (MD)

I received an escrow analysis statement from Fay Servicing LLC dated XX/XX/XXXX2023. There was a shortage of the account and I was given a choice of paying the shortage of {$250.00} or the new monthly payment of {$800.00} starting XX/XX/XXXX2023. 
On XX/XX/XXXX, I paid the new payment of XXXX for XXXX. My payment was misapplied to the escrow shortage of {$250.00} and the remaining {$540.00} was applied to the Unapplied payment account. 

I called on XX/XX/XXXX23 to say my payment was misapplied and asked for it to be corrected. On XX/XX/XXXX 2023, a late fee of {$27.00} was applied to my account. On XXXX XXXX, 2023, my XXXX payment was credited of {$800.00}. On XX/XX/XXXX 2023, they reversed the shortage payment of {$250.00}. 
on XXXX XXXX2023 they credited a mortgage payment of {$780.00} ( the new payment that was on the escrow analysis if you paid the shortage. ). On XX/XX/XXXX, they applied an additional mortgage payment of {$780.00}. 
I have called continually since XX/XX/XXXX2023 trying to get them to reverse all activity back to XX/XX/XXXX2023, and apply my payments to match the new escrow analysis of XX/XX/XXXX2023. 
I can not get access to a supervisor. I have gotten put on hold for over 45 minutes with no return to the call and I have gotten hung up on multiple times. 
Currently, they tell me I need another escrow analysis because there is no shortage. I believe that all the transactions since XX/XX/XXXX2023, need to be reversed and my two payments of {$800.00} each should be applied correctly. The late fee of {$27.00} needs to be removed also. I can get nowhere further with anyone.

They did offer to have a supervisor call me back at XXXX XXXX on Wednesday the XXXX of XXXX. Someone left a voicemail on Friday the XXXX with an incorrect number. The phone number went to a car dealership in the United States.