davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NC)

I received a 1099-C form from JPMorgan Chase in XX/XX/XXXX stating that this debt was cancelled XXXX. This is not accurate. They are attempting to issue a 1099-C for an old debt. This was charged off by Chase bank in early XXXX, during a period of years that I was insolvent. After charging the balance off, Chase then passed the debt on to multiple collection agencies to collect ( including XXXX XXXX. and XXXX XXXX XXXX ) from XXXX through XX/XX/XXXX when I filed ChXXXX Bankruptcy which ended all collection efforts by Chase and any collection agencies from that point on. The debt was cancelled over eight years ago. This is nothing more than Chase sending out 1099-C 's for Zombie debts with the intent to harm consumers. This behavior is no different from that of a debt buyer. 

In addition to the incorrect date that they are attempting to claim that this debt cancellation was supposed to have taken place in, and more importantly, the amount that they have indicated is false. As stated on their own form, by law the amount can only include any unpaid PRINCIPAL BALANCE of a debt that is forgiven. That is purchases and cash advances only. Interest, finance charges, penalties and fees are not income and have no tax consequences and can not be included in the total. They are falsely stating the amount of {$3400.00} which includes a substantial amount of interest, finance charges, penalties and fees. Most of which had incurred over a period of multiple years. 

A quick XXXX search shows that this is not the first time Chase has done this to consumers and I am not the only one to receive very outdated and inaccurate 1099-C docs. 

By sending this inaccurate and false document Chase is not only attempting to force me to claim this as XXXX income, ( which it most definitely is not ) they are directly preventing me from being able to file my taxes. This is quite harmful to me. 

Chase needs to rescind the XXXX 1099-C that they issued. They need to do so quickly so as to allow me to file my taxes on time. 

( To note, Chase did not provide an address with which to contact them in their forms ).
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Okay so I wrote you all about 3 weeks ago and Equifax deleted my file. I thought it was taken care of but when I went to pull my credit report Equifax has still not put all my positive credit back onto my file, It is affecting me from getting new credit and a mortgage. Do I have to file a law suit? Only thing showing on my account is two accounts that were deleted after I disputed it. they put it back on there and I never requested a fraud alert and they extended out to the other bureaus which I recently had removed XXXX XXXX and XXXX. What is it that I need to do to get this resolved hire an attorney? So what appears to be happening is that they are disputing on my behalf and its affecting my credit score. I am not asking for a dispute I am asking them to put back all my positive credit they removed.
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX  at XXXX XXXX XXXX. I am a female and not a male. When I called XXXX XXXX, the collection agency for this account, they claimed it was for a XXXX  XXXX ( XXXX  ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because Experian has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name to my account.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

For approximately 5 years, I have been unable to obtain my Equifax credit report via the online XXXX XXXX XXXX XXXX  website, by signing into the Equifax website directly, or by calling in. 

I have received information from them that my file was involved in and compromised by security breeches. I have kept my file frozen for years now. I can unlock and lock credit, log into my account, and/or initiate a dispute. I am unable to obtain my credit report. 

They have requested I update income, employer, and other information that is not my legal obligation to do, in order to obtain a credit report to which I have a legal right. 

The questions Equifax uses are so vague that they are sometimes hard to answer. The questions XXXX  and XXXX  asks are very specific and easy to answer, so I have no issues with those two agencies.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony charged me {$28.00} late fee on XX/XX/XXXX. I paid my full balance only two days later ( XX/XX/XXXX ) and wanted to set up autopay. I've talked to them about auto pay ( which is now set up ), but they refuse to refund the fees. Please refund the fee - we've had all kinds of coronavirus issues, it should be OK to pay 3 days late during these times. 

I've tried talking to Synchrony recently, but XXXX ( the automated assistant ) says : " I want to make sure I am giving you correct information about late fees, please log into your account and I can help you. '' - when I'm already logged into the account, and unable to reach a live person for that reason.
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Has added a negative item and it needs to be removed I do not owe anything to their company. Acct number XXXX for the amt {$1200.00} dates back to XX/XX/2018 please remove
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

In XX/XX/2020, I recieved a phone call from Hunter Warfield , Inc. regarding a debt owed due to eviction. I requested a letter of debt validation through the collector. The collector told me that they would refer my case to an attorney to file a lawsuit to sue me even during the debt validation process. And that the only way to prevent a lawsuit was to begin paying on the debt. The collector also questioned why I would validate my debt since it was 2 years old at this point. It seemed like the collector was attempting to dissuade me from validating my debt. 
I requested that even though a payment arrangement was set up that they still validate the debt and send me a letter of debt validation. It has been over 90 days since this phone call and I have yet to receive a letter of validation. 
I have concerns regarding the amount as they are charging a 6 % interest on the debt even though I did not agree to pay any interest when signing the apartment lease. Nor did I ever agree with XXXX XXXX that I would pay a 6 % interest to them. Even though I brought up this concern, they said I agreed to it in the lease documents. I reviewed the lease documents and in no where do the documents mention a 6 % interest or even the word " interest ''.
Consumer complaint received 2020-06-07
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: SYNCHRONY FINANCIAL (TX)

I am not sure who this company is. I was able to log in to my paypal account, But I have never applied for paypal credit. Please help me this inquiry should not be on my XXXX credit report. 

INQUIRER CONTACT DETAILS SYNCB/PAYPAL XXXX, MD XXXX ( XXXX ) XXXX ESTIMATED REMOVAL DATE XX/XX/2022 Inaccurate Info?
Consumer complaint received 2020-06-07
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. (TX)

XXXX XXXX keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR 01 XXXX XXXX RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?
Consumer complaint received 2020-06-05
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, THE XXXX XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (TX)

This complaint is not related to my other complaint that I filed last week. 

I received an offer for a monthly payment plan when I logged in to my CLOSED account online. I accepted and it gave me two option to choose : 1. .9 % APR with a low monthly payment until balance is paid but " THE ACCOUNT WILL REMAIN CLOSED '' 2. 11.9 % APR with a low monthly payment and " KEEP YOUR CHARGING PRIVILEGES '' I selected option # 2 and accepted higher 11.9 % APR so I could keep charging privileges. I made the required payment and chatted with an online rep. He told me that my account will stay closed and will not have any charging privileges. I told him that it was DECEIVING AND FALSELY ADVERTISED and requested him to let me select option # 1 but he refused to do so.
Consumer complaint received 2019-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EULER HERMES UMA, INC. (FL)

The company representative have been calling our business, threatening us all the time using abusive language, talking to employees about the debt which they don't have to know about the financial situation of the business. we have tried to reason with him but it's impossible to deal with him. We wrote him and email about reporting him for abusive language and his response have been that we have to pay, which we want to do.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CAPITAL ONE AUTO FINANCE located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2020-10-14
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 (NY)

I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a purchase order using XXXX ( because the scammer leads me to ) and once the payment went through the scammer disappeared. Only after 3 hours after I got SCAMMED and while it shows as processing, I contacted Bank of America at XXXX to stop the transferring amount of {$2400.00}. However, surprisingly the first representative only created claimed and didn't really take this as a serious fraud but a personal issue! At XXXX I called again and spoke with different representative XXXX, she was more willing to help but again she only created claimed and didn't stop the fund ... 

Based on my research Bank of America in the past did very similar things to a customer who got scammed and he ran to a local Bank of America and the manager told him they can not stop the transferring.. and get a lawyer to fight for the amount. 

15 Years of a royal customer at Bank of America.. I am super disappointed that they didn't jump on this like family matters since I entrusted my money to this bank instead of others. 

This action is not out of hatred but I have 100 % proof of document shows you we can get the money back from the recipient 's bank and work with XXXX as well to get my {$2400.00}.
Consumer complaint received 2020-06-07
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (AR)

TO WHOM IT MAY CONCERN PLEASE DISPUTE MY CREDITOR NAME OF CREDIT ACCEPTANCE CROP. AUTO BROKER AND XXXX XXXX FORCED ME SIGEN FOR PURCHASED. I NOT WANT TO SIGN. THERE MESSY NOW. XXXX XXXX RIP OFF MY CREDIT. HE TOOK VEHCILE AND MOVING IN MINNESOTA. HE PLAY ALLMY MIND BECAUSE OF IM XXXX XXXX XXXX. HE JUST USED MY CREDIT THEN TOOK VEHCILE. HE MAKE MY CREDIT BAD. I WANT REMOVE OFF MY NAME. SO HE HAVE TO REFIANCE LOAN AUTO BY HIMSELF. HE DONT HAVE A JOB. HE COULDNT PAYMENT NOTE VEHICLE. ACCOUNT NUMBER # XXXX AT CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I cancelled a XXXX  credit card in XX/XX/2021. The membership fee was waived and credited to the account the same month. The credit card company, XXXX XXXX XXXX, continues to report the account as delinquent. I have spoken to XXXX managers several time over the past 3 months to no avail. I have called both reporting agencies ( Transunion and XXXX  ) and they confirm that XXXX  is still reporting the account as delinquent.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (OH)

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XX/XX/XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.
Consumer complaint received 2020-06-05
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: I.C. System, Inc. (MI)

On XXXX XXXX I contacted XXXX  in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (VA)

I purchased two mattresses ( one for myself & one for my husband XX/XX/18. The contract to an amt of XXXX These were NOT any over the top mattress ; but two pillow tops-which we did not order ; but they shipped and said we had to accept. The payments were to be XXXX each month. We paid every payment on time until : our bank account was hit by a false check. I went to the XXXX XXXX and paid a fee of {$10.00} to keep from me being have to pay a late feel. I went the bank and came back immediately with the XXXX in cash. They did not return my $ XXXX or apply it to the account. Some 3 months later my husband was in the hospital and I had to pay the same fee again. After that we needed to take care of him and that made me a day late. The next we heard was that we were being taken to court ; unless we paid off the account. At that time we were exactly two payments from completely the account. They wanted it all on the same day or nothing else was acceptable. I have bought from them 3-4 different times and all paid out in full with no issues. They have already put this on my account for all to see ; and want more money including {$63.00} for an attorney they are using. If you look at the full list of everything done during this period ; it comes to a paid in full. But they refuse. XXXX XXXX I am sending a copy of the documents that are on this amount due.
Consumer complaint received 2020-06-05
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. (NV)

I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX were the bank that financed the car. During the ownership of the car, it needed {$7000.00} worth of repair services that did not make sense within the first year of ownership. I contacted XXXX XXXX to inform them. They put 2 payments in the rear of the loan to assist me. However, the loan was 2 months behind. I did not receive any phone calls or written notifications that the car was in repossession status. I have sent certified letters on XX/XX/XXXX asking for validation and proof on how the car was repossessed. 

I was living in XXXX XXXX XXXX at the time of the repossession. The repossession company violated my rights by taking possession of the car in my underground garage which is locked and only accessible with a remote control. I have been contacting XXXX XXXX for well over 2 years trying to get written proof of everything and I have not received it so I am filing a complaint here and my next move is the Attorney General. XXXX XXXX is well known for their fraudulent practices
Consumer complaint received 2020-03-12
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. (CT)

I already reached out to Equifax and notify them of their error posting of information on my report. I requested for Method of Verification mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (CT)

I already reached out to Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and notify them of their error posting of information on my report. I requested for Method of Verification that mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation