davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MS)

they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX/XXXX/2015
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at [ Your Email Address ]. Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To Experian,   XXXX   and   XXXX   I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX ,  XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   XXXX       (   These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should b e DELETED., This is my second request and first request was sent certified so I kno w it 's been received it just was n't done.
Consumer complaint received 2017-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Amount : {$2200.00 } Date :  XX/XX/XXXX  Company : B ank of America took over. Nations Bank  of F lorida where this account was. I contacted the state of Florida, sent in proof of my relationship to the owner of the account, my mother, and all other required documentation. They want some kind of business paper from the banks. This account is o ver thirty years ol d, my mother is deceased since   XXXX  , and we have no business papers to show. Bank of America says they have nothing either. The state of Florida will not release these funds without some business paper. There is n't anything. The bank should have something and they claim they do not. The state of Florida refuses to do anything, .claiming they need some document between the  XXXX  banks. It seems if there was a document it is either long gone, thrown away, or misplaced.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There is apparently a lien on my account for {$6700.00} from New Mexico  Taxation and Revenue f rom  XXXX . This has somehow been linked to my name. Please note that I only moved to the US in  XXXX  ( I am an  XXXX  citizen ), had never heard of "  XXXX  '' before today, and have nothing to do with this apparent outstanding account.     How can someone link something to your account with no one actually doing any checking?
Consumer complaint received 2017-05-23
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: Experian Information Solutions Inc. (WI)

I Called  XXXX  on  XXXX   XXXX     2017 aft er sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say  XXXX  as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company  XXXX , I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to  XXXX  and EXPERIAN on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A  ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report.  XXXX  and Experain will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.
Consumer complaint received 2017-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

LVNV Funding LLC, continue to file false information on my credit files. The debt listed below, is reporting on my credit files and LVNV Funding LLC will not respond to my requests for validation and verification. I have never had an account with this company and do not have any contractual agreement with them.         Name : LVNV FUNDING LLC Acct # :  XXXX  Credit Limit : {$0.00} Date Reported :  XX/XX/XXXX  Date Opened :  XX/XX/XXXX  Balance : {$880.00} Past Due : {$880.00} Acct Status : LVNV FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , SC  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Current Status : Account Owner : Individual Account.  High Credit  : {$880.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : {$0.00} Terms Duration : Terms Frequency : Date Opened :   XXXX   Balance : {$880.00} Date Reported :  XX/XX/XXXX  Amount Past Due : {$880.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity :  N/A  Date Major Delinquency First Reported :  XXXX  Months Reviewed :  22 C reditor Classification : Financial Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency :   XXXX   Comments : Consumer disputes this account information, Collection account, 81-Month Payment History Year   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  CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-21
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)

I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX bank credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX Equifax, XXXX but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me.
It never is taken off my credit report. I did NOT solicited a credit card with XXXX Bank.
Please help me out here.
Consumer complaint received 2017-05-21
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. (TX)

I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( Trannsunion, XXXX, XXXX, but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II  always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.
Consumer complaint received 2017-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

I use an account service called  XXXX  to help out with my funding - which is fine and great! Until  WellsFargo dec ides to hold on to my transactions instead of sending and updating them live as they happen and actually even putting them in orders other than they actually occurred ( which is a whole other complaint ). But whe n WellsFargo holds  on to the transactions, it does n't allow my account with  XXXX  to update - causing me financial burdens! So far it 's been on hold since the  XXXX  and I 've had to manually update my account with  XXXX  because of this delay of data fro m WellsFargo. It should be posted and updated as the transactions occur, not several days later.      The attached image shows the recent transaction that occurred on the  XXXX  that  XXXX  was unable to see 2 days later because of the lack of updating my info.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I have contac ted Southwest Credit S ystems on numerous occasions via certified letter and asked that they provide me with a contract of the debt they claim I owe, which bears my signature. Each time they respond with a bill and nothing more. I have repeatedly asked for this information to be provided to me and if they could not provide the information requested, that they remove the debt from all  XXXX  credit bureaus. They have yet to comply with my request to provide me with a contract or remove the debt.
Consumer complaint received 2017-05-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I tried settling this particular debt with  Portfolio Recovery an d they said that they were n't willing to settle.     In later years, once the debt was past the statue of limitations, I disputed the debt with the  XXXX  major reporting bureaus an d Portfolio refus ed to remove it from my credit report.     This debt is tarnishing my history and preventing me from obtaining affordable housing.
Consumer complaint received 2017-05-23
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: Colony Brands, Inc. (KY)

Swiss Colony  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2017-05-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I have a Satisfaction Of Mortgage Dating Back to  XXXX / XXXX / XXXX  Recorded in Register of Deeds In   XXXX   Wi. The Doc.Id as our Current Lender stated Not a Chase Loan, I found out in  XXXX  that this Doc.Id. Was a  XXXX   XXXX   XXXX   Loan Paid in Full as  of  XXXX / XXXX / XXXX . A letter  Dated   XXXX   XXXX  states that. From  XXXX   XXXX   XXXX  Ca. My Last Info is a Satisfaction Of Mortgage From  XXXX  Recorded on  XXXX / XXXX / XXXX   XXXX  Fee {$30.00} in the  Register of Deeds  office in  XXXX  Wi. Tax. Id. Correct.   Property Location Correct.I have a Certified Copy From the Register Of Deeds. Under our Wi. Statute  706.05 { 10 } And 706.05 { 10  } { A } If You Received a " Satisfaction Of Mortgage '' endorsed with a time, date and document number From a Register of Deeds Office. '' The Nothing Further needs to be Done '' " The Above Facts Are True in My Case ''
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a notice from Midland Funding LLC that I owed  XXXX  dollars and when I sent them a letter asking to verify the amount and what the debt was from I received a response that they did not have any information. I then continued to receive phone calls and letters trying to collect debt and contacted them to tell them I needed verification of the debt and they said they did not have to provide that information. This is not on my credit report and I do n't know what this debt collection is for. I would like th get this resolved.
Consumer complaint received 2022-02-25
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. (TX)

XXXX XXXX XXXX XXXX continues to label my complaints as duplicates and claims to have already answered the complaint. But they have yet to address the permissible permission to have lawfully accessed my credit report used to accessed my credit report on XXXX XXXX 2017. I will continue to request the permissible permission from Experian and XXXX XXXX XXXX XXXX until they answer the complaint and forward a valid permission or at a minimum give explanation why they deem themselves lawful.
Consumer complaint received 2022-02-25
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau a nd reported incident Reported t o The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

Starting in  XXXX  o f 2017, Navient  had sent emails regarding my student loan with them. The amount owed had changed several times over the past months and I am having difficulty making payments as they are so high. I am in a loan rehabilitation program with another company which is worries because they took into account my income and expenses, which leaves very little leftover. However Navient simply looked at my income and gave no one probably to lower payments delay then at all. I 've tried to contact them about this with no success.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX has violated my rights. 

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.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been a excellent customer with Capital one for 2 years now and I have always made my payments on time. Back in XX/XX/2021, I had to make an emergency travel to my country so I went online and setup my account on auto-pay so my monthly payments could be deducted from my checking account automatically while I was out of the country. I received confirmation from the system that I was set for Auto-pay. So I left the US thinking I would not have any issue. When I came back this month, I found out after login in my account that the auto pay didn't work and the monthly payment was not deducted. So Now my account has been late and reported to the credit bureaus. I just lost 100 points just for that. I'm in the process of buying a house and I just got denied by my bank because of the impact of that late report on my credit. 

I called Capital one multiples times and the agents I spoke with told me they were going to potentially remove it but will call me back to confirm. Haven't heard from anyone since then.
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NJ)

I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME, I SENT IN A MODIFICATION PACKAGE AND WAS INFORMED BY MY ASSIGNED REPRESENTATIVE WHO IS AS  RUDE AS CAN B E  XXXX   XXXX  THAT DUE TO COMPANY GUIDELINES THEY DO NOT NEED TO INITIATE A MODIFICATION REVIEW BECAUSE I HAVE A SALE DATE WITHIN 37 DAYS. I ASKED IF THE FORMS I SENT IN WERE THE CORRECT FORMS AND SHE STATED NO WE HAVE COMPANY FORMS THAT WILL NEED TO BE COMPLETE, SO I ASKED HER IF SHE CAN SEND THEM AND SHE SAID NO I WILL NOT SEND THEM BECAUSE I DONT HAVE TO.     HOW IS THE SERVICER OF MY LOAN REFUSING TO SERVICE MY LOAN? THIS HAS TO BE ILLEGAL ON ALL ACCOUNTS.  XXXX  STATED THAT SINCE SHE HAS BEEN DOING THIS FOR YEARS SHE KNOWS WHAT SHE IS DOING AND DOES N'T HAVE TO SERVICE MY ACCOUNT BECAUSE I HAVE A SALE DATE. I THOUGHT THE SERVICER HAS TO CONTINUE SERVICING THE LOAN UNTIL THE HOUSE IS SOLD?
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

Experian has on my credit file, that I have worked for XXXX which I never have ever worked for XXXX. In addition, they have mentioned that I applied for XXXX XXXX for which sounds like a debt collector of some sort. I do not agree that I owe this debt because I never received any contracts of any sort. Furthermore I've consulted with Counsel and realized that I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. Furthermore, The New Comprehensive Credit Act of 2020 states that I must have erased any debts on my credit for which do not have contracts to establish the " invalidated debt ''. There should also be no child support payments on my accounts whatsoever, I'm confused on all that is listed on my credit file. Given that Experian has had data breaches I also furthermore understand that my private information has become compromised for which also, I should sue for that. Please relay the message so that Experian and I can resolve this issue outside of court. 

Best, SG