davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> WELLS FARGO BANK XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate. 
In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. 
I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I received a credit card in the mail on XX/XX/year> from Bank of America that I did not apply for I tried calling on XX/XX/year> I Could not speak to a representative without giving them my account number. I tried entering the card number but that didn't work. I do not have an account with Bank of America. 
The bot then asked for my social security number to verify my identity which I refuse to give. The bot told me to try my call again later when I had the requested information and hung up on me, So, I am contacting you. 
I DID CHECK MY CREDIT REPORT THROUGH MY BANK AND SAW NO ACTIVITY, BUT DID NOT CHECK WITH THE ACTUAL CREDIT BUREAUS YET.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2017-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :   XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX  XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX   XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on  XXXX , and transunion and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.
Consumer complaint received 2017-07-18
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. (FL)

I have a company on my credit report call   XXXX   XXXX   that I 've been trying to dispute for a long time this account is a fraudulent account which was identity theft which was never mines, for some reason they updated some information and it dropped my score  XXXX  points they was already on my credit report as a charge off account so why would you allow them to update it to this month which is not accurate date this account was on there for over 6months I have Federal consumer rights under The FRA.   XXXX   XXXX   added information which was already on there but they are harassing me and making my credit lower and lower and Equifax is dropping my score over   XXXX   points just because of update this is just Prejudice and discrimination there 's no way this is accurate please remove   XXXX   XXXX   off of my credit report immediately I have a case number from the police department   XXXX      XXXX   XXXX   XXXX  . Please remove this from my credit report this information is not correct you are not allowed to go back on somebody 's credit report and keep punishing me with the same account which I 'm not responsible for at all ... when   XXXX   XXXX   first went on my credit bureau account I lost significant of points now they keep adding and updating which makes it worse and not making it accurate because they keep making it as a new account which is not a new account and the dates is not accurate I do n't even know anything about this account.. I am not sure why Equifax dramatically dropped my score because of an update this is very racial profiling and they think we as consumers can do anything about it we ca n't just stand here and let you do this to us.
Consumer complaint received 2017-07-17
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 (GA)

Wells Fargo has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the   XXXX   hard pulls on my account. Wells Fargo refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I had filed a claim with Chase that was later reversed ( not in my favor ).
They were supposed to reach out to me for documentation and never did.
Chase reversed    XXXX  transactions from my claim causing my ledger to be inaccurate which caused an avalanche of overdraft fees. The representative said that while she understood that the transactions were related to their reversal, that because the fees were n't caused directly enough by the reversed transactions. She said she would have to do it as a courtesy refund. That was limited to 3. I had requested  XXXX  be refunded, several of which were after the last times I have tried to take care of this.
I had tried to handle this a couple times before, last time being a few days ago when I was told their systems were down and I would have to call back. That is fine, but now I am on the hook for at least  XXXX  more overdraft fees that have posted.
They say they messaged me about reversing the claim, but if they did, it was in a different way than they have handled this type of dispute in the past. This is not a change I was made aware of.
I have escalated this in 2 separate departments and am so frustrated with this bank. If you have the resources to review my account further back, you 'll likely see that there are other things I should have filed claims with you about, but I simply do n't have the stamina.
Additionally, they have removed my ability to make mobile deposits simply because I have had an overdraft within the last year. Out of nowhere. I 've never abused or bounced a cheque, let alone via their mobile app.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

I received a credit alert that someone opened a new credit card in my name fo r BP gas stations.  I previously had a card for this back in high school, but this was closed years ago ( probably around 2011 ). It was recently re-opened and sent to my parents house, despite there being no request for a new card. As a result, my credit score has been lowered and it now shows I 'm carrying debt related to my parent 's credit card.
Consumer complaint received 2017-07-17
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: EQUIFAX, INC. (TX)

I have contacted EQUIFAX bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have  XXXX  KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX  TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EQUIFAX AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :  XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of america is not acting in good faith, and are reporting an account that was already transferred to another bank in XXXX and the other bank deleted the account some time ago, when I reached out to them to have them delete the account they are giving me the run around Bank of america, is unfairly and inappropriately reporting me negatively to the credit bureaus, for an account that was transferred out to XXXX in XXXX and they already deleted the tradline. However, BOA still shows that the account had a delinquency in XXXX. When I reached out to BOA they gave me the run around, at one point, the bank even unlawfully threatened me, not to contact the bank anymore, which is a open to the public ; federal bank, although it 's clearly showing that the account is not accurately reporting at least by one bureau, and by one bureau it 's not existing at all.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (GA)

I signed up for a checking account that offered {$250.00} bonus after doing XXXX debit card transactions within 60 days.
I fulfilled all the requirements and still have not received the {$250.00} bonus even though the welcome letter I received from Wells Fargo clearly states that I am eligible for the bonus. Since they have failed to meet their part of the advertised requirement, I believe that Wells Fargo is guilty of false advertisement.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

When I opened the joint account that, we were misleading by the Citizens Bank   XXXX   that we will not get charge any fees on both Checking and Savings account, but unfortunately they charge us every month. {$9.00}, and {$3.00} on our checking alone every month and {$4.00} and {$2.00} on our Savings which the did n't told us from the beginning. They used our money to invest to make money and charge us again on top of it. We want our money back the they said when we were opening the account. Please, i need your help to get all our money back. Thank you
Consumer complaint received 2017-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

In XXXX, I purchased a car with a loan from XXXX for XXXX. I have made consistent payment for last 5 years and my balance is still the same.I will never have this car paid off at the rate. Please investigate this matter
Consumer complaint received 2017-07-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Just got off the phone with a rep about my complaint.
They received a response from a   XXXX   XXXX   XXXX   w/ a phone number, no extension nothing and I have been on the phone since  XXXX  and am writing while I am on hold, no one knows who she is and they ca n't find out? According to her response she is more than happy or willing to give me my MONEY I do n't have the actual letter but, it is something to that effect, she will give me my money, the money belongs to me what is she talking about she DID NOT RESPOND to my complaint of I want to see the BENEFICIARY CARD AND SIGNATURE CARD that IF MYfather changed this for me to share with my sister I am by law entitled to see all those cards instead since   XXXX   XXXX   I have been given the run around and lied to. I have spoken to several banks, lawyers and went to Civil Court about this issue and I have the right to see all documentation pertaining to this matter. All have said same, some- thing is not   XXXX   they are hiding something here if they wo n't show you these documents???
Please help me, I registered this complaint with you for this info and I have n't received the proper info here we go again this is why I am complaining to you for your help in ascertaining the cards and why did n't this woman give proper details to contact her? It is  XXXX  just got off the phone they said no one is allowed to speak with me any longer as I filed this complaint and regulatory mumbo jumbo etc etc so I need to wait for another letter in the mail from Capital One about this matter!!! I am complaining again please, please all I want is to see the SIGNATURE CARD AND BENEFICIARY CARD TO SEE WHEN and IF MY father changed the   ITF   XXXX   XXXX   to also beneficiary   XXXX   XXXX   my sister. All statements have come with   XXXX   XXXX   ITF   XXXX   XXXX   nothing else and I have some of the statements as far back as  XXXX  with only my name!!!
PLEASE PLEASE I AM BEGGING FOR HELP SUCH A SIMPLE MATTER???
This is a new complaint about the above complaint that I did not receive a response to my above complaint???
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/XXXX  Date sent to company :  XX/XX/XXXX  Product : Checking or savings account Issue : Closing an account   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  .
  XXXX   NY  XXXX  #   XXXX   XXXX   --
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

In    XXXX   XXXX   2017 ,   XXXX   XXXX   , a debt collection c ompany contacted me by mail stating that I owed a {$700.00} debt with  XXXX . This was not my debt, but an ex spouse. Convergent failed to verify address and account information and reported negatively against me. I retained legal representation but the company has failed to respond.
Consumer complaint received 2017-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

I submitted a qualified written request for review for a Deed in Lieu on  XX/XX/XXXX . Today, I was told that I would not receive a qualified written response to my inquiry as required by RESPA. In speaking with HUD with regards to the liquidation of my property, I was informed that a standard Deed in Lieu of Foreclosure ( DIL ) was at the discretion of Lender. The Lender has out right refused my request for review, citing that there are credit requirements, however, when directed to HUD 's guidelines, the call center agents state that it is not for them to review. Each time I call in, I get a variation of knowledge and experience. Those who are in the know understand that a streamline DIL has a minimum FICO requirement, however, a standard DIL does not. I understand that my FICO is too high to qualify for a streamline, but would qualify for a DIL if the lender would be willing to move forward. As stated above HUD confirmed the information contained in 4000.1 Section III.A.2.l.iii. ( B ) ( 2 ) ( a ) - ( c ). I stated several times on my call that it was a RESPA violation to not respond to a written request in writing and was told " I 'm not in the legal department ''.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX  and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from   XXXX   to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since   XXXX   runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MD)

After being denied an auto loan, I checked my credit, I noticed there was a collection account from Enhanced Recovery Solutions ( ERC ). I contacted ERC and was informed that a letter was sent to me in   XXXX   XXXX  . They place this debt on my credit report on XX/XX/XXXX . They acknowledged that the first initial letter from them was sent to me MONTHS after it was placed on my credit report.
The requirement is that once a debt collector has initiated collection on a debt, they are required to send a formal collection ( " dunning '' ) notice within 5 days thereafter.
Reporting to a CRA is an act that triggers requirement for timely dunning notice.
If the failed to comply, then they are in violation of their debt collection practices obligations under FDCPA 809 ( a ).
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

Summary of complaint or question : Navient keeps bothering me telling me I owe them for student loans. I am on a program with  XXXX . This has been going on for months so to list dates and such would be hard. If someone could call me it would be better.