davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (IL)

I am filing this complaint against FLAGSHIP CREDIT ACCEPTANCE and the credit reporting agency XXXX. FLAGSHIP CREDIT ACCEPTANCE has failed to provide the IRS Form 1099-C as requested for my account, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, they have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines . However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of Forms 1099-C for debt associated with my account XXXX XXXXXXXX which has been reported as " charged off. '' According to IRS Publication 453, a charge-off is recognized as a taxable event that should result in the issuance of a Form 1099-C to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month. 

Issues : Failure to Provide Form 1099-C : The creditor has not provided the required Form 1099-C, which is necessary for me to accurately report any canceled debt income to the IRS.

Improper Monthly Reporting of Charge-Off : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ). 

Income Reporting Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (AZ)

I requested that I see what the interest is on my loan in my monthly statement and how much of my monthly payment is going to towards the principle. I have asked this multiple times over the course of two years from the company and they have only provided the same statement that has amount owed for the month and payoff amount.

I have also asked for a copy of my contract with them for over two years due to a possible error I saw with mine from the dealership. The error being two different monthly payment amounts, with a difference of about {$93.00}. They refuse to provide a copy of this as well.
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

I am writing to dispute the accuracy of an account that has been placed on my credit report. On XX/XX/XXXX, I was notified of a new account listed on my credit report that I do not recognize. The account was associated with Professional Debt Mediation , Inc a debt collector and a claimed amount of {$7100.00} that is unfamiliar to me. 

Upon investigation, I immediately disputed the account and sent a validation letter to the collection agency. On or around XX/XX/XXXX, I received a response indicating that they are a third-party collection company acting on behalf of their client, XXXX XXXX. They also provided an outdated and fraudulent ledger claiming a total amount of {$7100.00} for rent and repairs. 

I would like to bring to your attention that the company, XXXX XXXX, and I had already resolved this matter through a court judgment entered on XX/XX/XXXX. The judgment determined that I owed {$3600.00}, which I paid in full on XX/XX/XXXX. I heard nothing back and thought everything was ok, until I received the credit notification 9 months later. Therefore, the amount listed on my credit report is not only incorrect but also constitutes fraudulent activity and extortion. 

This false account is damaging my credit and reputation, and I request that it be removed immediately from all my credit reports.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My account was frozen on or about XXXX XXXX because of a debt that Portfolio Recovery XXXX that I owe from more than a decade ago, and I had never received any communication about the debt or having my bank account frozen for a total of {$3200.00}. The levy on my bank account was sent by XXXX XXXX XXXX and The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tel. XXXX XXXX XXXX XXXX. XXXX Ext XXXX Fax XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 


I felt helpless as they froze my account and I could not pay my rent or other bills at the time. I had to comply to even have my account released. I had to go into my XXXX at work and pay them and I really felt like I was being robbed and they were committing theft by freezing my accounts and holding my account XXXX. This really caused a hardship for me and my family.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act Please remove me from you files & computer systems ASAP.

Cease & desist all attempts to collect the above so called debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission, Better Business Bureau, as well with my State Attorney General 's Office. I will pursue all criminal & civil claims against you & your company.

Let this serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future. 
Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you & your organization, both personally & corporately to seek any & all legal remedies available to me by law. 
Since it's my policy neither to recognize nor deal with collection agencies, please. Please Stop calling me for different Area Codes VIA phone numbers harassing me I have told this company many times on different occasions to dispute this collection or send me certified proof with receipt that I have legally signed to take on this debt this company told me they will dispute this collection off my credit report but never seen any results
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc. (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report.
Consumer complaint received 2024-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC (KY)

On XXXX XX/XX/XXXX, I contacted the VA ( Veteran Affair Nurse Practitioner ) XXXX, TN about an injury that I had. The VA instructed me to go to the nearest hospital ER for authorized service. Once there I gave the XXXX XXXX XXXX XXXX XXXX Ky the VA approval information ( insurance ). I was seen for service. The hospital billed the ER visit correctly through the VA, but the service provider bill was never sent to the VA for processing. In XX/XX/XXXX APP of Kentucky XXXX, XXXX contacted me about this bill. I provided the company my insurance information. I was never contacted via phone or letter that this bill was never paid. On XXXX XX/XX/XXXX I was notified by Cascade Capital Funding , LLC that I have a debt. I have tried to reach out to the hospital, APP of KY and Cascade to resolve this collection. with zero luck. I have been in contact with the VA, they are aware of this bill, but can not process the bill with the debit collector, only with the hospital. The hospital will not reinstate this medical bill saying that the VA doesn't pay for medical care with XXXX XXXX. Which is incorrect ; the VA authorized my visit. I have contacteXXXX XXXX XXXX XXXXXXXX XXXX, unfortunately this company has no jurisdiction over my complaint since the VA XXXX was going to cover this bill. I feel like I am going in circles, and I don't know the next step to resolve this issue.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (TX)

I have never in my live done business with sentry credit nor do they have any signed contract between myself and them to be reporting in any regards to me. They are fraudulently reporting on information sold to them fraudulently. Ive asked XXXX AND XXXX TO BOTH DELETE THIS XXXX  times and have disputed this. XXXX has already deleted this item. The other XXXX creditors refuse to immediately DELETE FRAUDULENT ACCOUNTS AND ACTIVITY. I have no correlation to or with this company and have never done business with them. They are reporting on my credit in regards to a matter Im totally unaware of.
Consumer complaint received 2024-08-06
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

In the early XXXX my student loans began being serviced by Navient. I was misled to consolidate my loans and that I would pay less in interest and that my credit score would improve by doing so. They also pointed out the federal repayment method was not the best option for repayment. I now know that over the years, the amount I now owe which mostly comes from accrued interest, which has made repayment impossible, and does not respect or take into account income driven and cost of living challenges, has put me in this position in which I am in dire need. I currently owe {$210000.00} dollars in student loans and during my college tenure I only 'originally " borrowed somewhere in amount of $ XXXX total. I need this help badly.
Consumer complaint received 2022-11-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (CA)

Asked for debt validation and to provide any and all legal documents of debt with signed in ink contracts and id of any and all involved in the company and also the person they are collection the debt on. And to mail everything to me with original paperwork not copys. I didnt enter into any contract or open any credit cards my identity was stolen after my bankruptcy and I told them this and they said they would provide all documents to me but i have not received anything with in 5 days after they contacted me and now its over 30 days since I last was contacted by them. I asked them to provide and mail debt validation because I know they can not do so and want this debt removed from my credit file and they refuse and wont validate said debt. I have talked to the original creditor and they didnt help either and sent it to collections and I disputed this with XXXX  as well and they did nothing to validate the debt either and its still affecting my credit score to this day
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, cash was withdrawn from my account with a teller, I didn't notice the withdraw until XX/XX/year>, I called it in, and they told me it take three to five days, and they closed my account and gave me a new on. I went into the branch got my new account number and set up a passcode so this wouldn't happen again I tried to take extra security measures. I called almost every day to see if they to see if they had any updates. On the XXXX I spoke to a representative and they told me that they had stopped the investigation on the XXXX because they received an allege call claiming to unfreeze the account because it was a false claim. I never made that call they said that they reponed it when I called on the XXXX to ask if they had any updates and the processes started all over again mind you, I was never made aware the situation. The fraud representative told me they would expedite the case so I can get answers. On the XXXX money was withdrawn from a different branch and with a teller on the new account I was given. I have no idea how they were able to get this information in order to accesses my account online there is all these steps for verification, and I have no alerts. I reported to Chase various times that I am dealing with Identity Theft, and I have a police report. How these people got withdrew with money Chase Bank is unable to answer. I going to take extra measures to make sure Chase bank I liable for the money that was stolen from me. I spent various hours speaking to someone representatives and no one has been able to help me.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (PA)

I requested an automatic draft to pay on my account of {$45.00}. Instead the company took {$520.00} which overdrafted my checking account. The tried for XXXX  days in a row unbeknownst to me. I saw it on Friday XXXX and called them immediately. the customer service rep admitted after checking I had only authorized XXXX to be taken. After a long hold time I was told that they would refund my money. I have called twice today ( XXXX ) as the account still shows no change. I was asked to wait a few hours longer. Meanwhile I have incurred {$140.00} in overdraft fees and am about to incur another {$70.00}. It is ridiculous that there is no change even though they admit they are wrong
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection : XXXX XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Former : XXXX XXXX XXXX