davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION (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 XXXX 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 2023-05-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NE)

I received a buyout from Ally Financial ( Ally ) for my lease of a XXXX XXXX XXXX. This buyout quote was for {$31000.00} and was XXXX through XX/XX/XXXX. The check was placed in the mail on XX/XX/XXXX with tracking services through XXXX. The check was awaiting pickup at the post office on Sunday XX/XX/XXXX at XXXX. Ally did not pick it up this day, presumably because it was a Sunday and therefore not a business day per Reg CC ( ex. XXXX XXXX XXXX holidays ). 
Ally assert that they received the check on Monday XX/XX/XXXX. When I realized the check did not arrive until XXXX day later I chatted with them through their online portal to confirm this would be okay. On XX/XX/XXXX XXXX XXXX from Ally informed me that there would not be a late fee until XXXX days after the due date of XX/XX/XXXX. 
After posting the payment to my account and showing a XXXX balance ( paid off ) they have now added {$240.00} to the amount owed. There is no way I could've know about this fee or how to avoid it since they did not inform me of it when I reached out and it is not in my contract. I assert that this fee is Unfair and Abusive due to the excessive amount and the fact that it was not disclosed. 
They are calling it a settlement fee and I have asked them to help me understand what this is and how they have the right to charge {$240.00} for a check being received on the first business day after the calendar day that it was due.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

I have made payments on the account and they continue to call my cell phone, FIVE times per day. If I answer it, it is automated, so why bother answering? All the automated system says is to check my account. That's it. I did some research and learned that they are only to call SEVEN TIMES in SEVEN DAYS.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported my nonpublic personal information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from the institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am requesting the method each consumer reporting agency use to investigate this account
Consumer complaint received 2024-07-29
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-29
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. (AL)

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. the interest rate is excessively high or was increased unexpectedly, it is an unfair or predatory lending practice. 
the terms of the interest rate were not clearly disclosed and rate was increased without proper notification or for unclear reasons, If not resolved, I will sue for damages.
Consumer complaint received 2024-07-29
Product: Credit reporting 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. (NY)

This is to follow up regarding the persistent presence of fraudulent items on my credit report despite multiple attempts on my part to rectify this matter. The lack of resolution has had a profound impact on my financial well-being and has caused undue stress. The fraudulent items in question, associated with Credit Bureaus, were first brought to your attention. Regrettably, my attempts to remove these fraudulent items have been unsuccessful despite multiple submissions and communications with your agency. I am formally requesting the following actions be taken with urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. The immediate removal of these fraudulent items from my credit report. I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$28000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$46000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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 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 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 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 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
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP (CA)

The original registration of the leased vehicle was issued by Texas. We moved to California. California DMV requires proof that the Lessor has paid federal taxes. This is apparently a routine document. Since XX/XX/year> I have been in contact with US Bank no fewer than 4 times. Each time they Told me the document was on the way. It was not. On the 3rd communication with the bank I spoke with a manager. They told me the document would be expedited and they were told my temporary California registration expired on XX/XX/XXXX. Nothing arrived. My most recent call to them on XX/XX/XXXX, the Bank told me they would send the document within XXXX business days. On the first two occasions they told me the document would be sent as well. I still have no document and I can not renew my registration. I am currently driving an unregistered vehicle and when, and if I ver receive proof of federal tax payment, I will be fined. The Bank has done nothing to remedy this situation.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute several inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have incorrect information corrected or removed from my credit report. 

Please review the addresses in question and update my credit report to reflect accurate information. I have included documentation supporting my correct address for your reference. 

Inaccurate addresses listed as followed : 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 XXXXXXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-18
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. (NY)

To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and conrm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy with Here is the item I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} Transunion : XXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00}
Consumer complaint received 2024-09-24
Product: Credit reporting 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. (PA)

Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated.

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 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 them of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.SC 1681s-2 ( A ) ( a ) 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 delete the accounts below.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NJ)

SELF/XXXX  Last reported XX/XX/XXXX {$320.00} Reported XXXX XXXX limit {$670.00} You're using 48 % of your account 's limit OVERVIEW Credit limit Minimum monthly payment Opened {$670.00} - XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 53 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current XXXX  Not current Last payment XX/XX/XXXX,
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I have never had any Department of Education loans for XXXX There were originally two of these student loans from the department of education in the amount of, at that time when I learned about it like two years ago in the amount of {$5000.00} each. One account was showing that there's never been a payment made. The other account was showing payments were made then stopped made stopped. I contacted the Department of Education and they eventually removed one of those loans. I've kept disputing the second one and they refused to remove it off my report. I received a letter from the Department of Education. Stating my ssn does not come up in their system.Verifying that it is not my account. This has been creating a great hardship for me because I am unable to get credit housing due to the negative impact it has had and my credit score And worthiness. I have checked my report several times over the years.These are dating back to 2015, I would also like to know why i've never seen them prior to just 2 years ago? I would also like a lawsuit started in regards to this because they've simply ignored every request i've made and the bureau has come back stating they've investigated it when, in fact, they clearly have not.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$220.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-10-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I recieved it.
Consumer complaint received 2023-03-24
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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: CITIBANK, N.A. (CA)

Made a purchase on XX/XX/XXXX for {$1900.00}, the store representative forgot to apply the correct promotional rate. Called Citi Bank was advised to return to the store to redo the transaction. Bestbuy processed an incorrect refund to rectify this issue. Bestbuy refunded {$1500.00} on XX/XX/XXXX and recharged {$1700.00} at XXXX percent interest. I was under the impression the issue was resolved although the amounts didn't add up. I received a letter from CitiBank on XX/XX/XXXX stating they accidentally applied interest to my purchase and were rectifying the issue that I thought was resolved. They added a balance of {$1900.00} to my credit card account, with the correct XXXX percent rate. Additionally, they refunded me {$1700.00} to offset the charge that was made {$1700.00} on XX/XX/XXXX. The actual issue is I was charged {$1900.00} and only refunded {$1500.00} therefor I am owed {$480.00}. I have invested many hours, phone calls, cases and disputes to rectify this issue and I have gotten nowhere. Please help
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AXOS FINANCIAL, INC. (NJ)

My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking XXXX of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take 10-14 days to post payments because of their automated system.

This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time.

Also we have been paying {$1000.00} additionally on each payment toward principle most months.

They told us that they would clear this up and still to this date we have had no resolution.
Consumer complaint received 2024-10-13
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

NELNET was given a Cease and Desist letter via mail dated back XX/XX/year>. 
Debt validation was not sufficient and is being used to attempt collecting on said debt. 

US Department of education is also on said notices received and I am not liable to repay any notices sent to me. Cease and desist is not being followed though and needs to be enforced immediately. 

Follow the State and Federal laws and also adhere to my Cease and desist. 
Reporting on consumer report and sending notices is a form of communication, please retrieve from records and remove me from any notices ASAP!