davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (MN)

I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX As per IRS regulations , a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate.

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies.

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I was charged a {$34.00} service fee for non sufficient funds.. .however I have always received text informing me my balance is low and showing any pending transaction that would potentially put me in the negative, however I never received any notification prior to them posting an NFS charge. There is supposedly a grace period of XXXX Est to put funds into your account to cover any pending transaction. However on this NSF I received different information by XXXX different reps as to why I received the charge. One stating it was due to a pending transaction from ( XXXX ) that supposedly posted at XXXX, one minute prior to the time allotted to put funds into an account to cover any pending transactions. The other stated it was from a restaurant vendor that showed a different pending amount from the actual posting amount. I failed to get a SPECIFIC reason for the NSF as well as an explanation to why a text was n't received that my balance was at a - {$7.00}.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX is reporting a balance of {$5700.00} when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have had accounts with Wells Fargo for over thirty years, both business and personal. When I deposit checks for my business I do it by phone and sometime they deposit the whole amount, other times the deposit a portion for immediate use and the rest goes into my account the next day. 
Recently I lost a friend a Brother, ( we both are XXXX Vets. ) he left me a something. I went to deposit it into my existing saving account and got talked into taking my old account and making it a XXXX XXXX so it would create more interest. We, ( the banker and I ) deposited into the newly revamped savings and it deposited a small amount in my account and I was notified that the rest would be posted the next day. 
The next day I received a notice that the deposit was on hold for ten days. 
When I inquired why, no one could give me a straight answer. They said there was something wrong with the signature. The Executor of the estate and the Trustee of the trust went to bank that the funds were issued by and the bank told me the check cleared the day I deposited it. They said if something is holding it up it would be Wells Fargo. Wells Fargo will not budge. They have my money but they will not post it. 
So Wells Fargo is taking a ten day float with my money, even though they have the money from the other bank, ( and it is a large amount of money! ) It is an amount that they insisted I put it in a XXXX account. 
Wells Fargo are crooks. After thirty years with them I am done. I have no banker to watch my back. They are using my money for their bottom line. I will never trust Wells Fargo again.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Betterment LLC (NJ)

XX/XX/XXXX - From the Betterment website, I initiated a transfer in the amount of XXXX ( transfer # 1 ) intending to make contributions to my Roth IRA for the XXXX tax year. 

XX/XX/XXXX - XXXX XXXX XXXX transferred XXXX out to Betterment. 

XX/XX/XXXX - From the Betterment website, I initiated a second transfer in the amount of XXXX ( transfer # 2 ) to max out my contributions. 

XXXX - Betterment claims both transfer # 1 and # 2 were rejected. One for insufficient funds with a return code R01, and the second for what they called " Uncollected Funds '' with code R09. 

As far as I can tell, XXXX XXXX transferred money to Betterment ; yet, Betterment never returned it back to me. I have been calling Betterment and XXXX XXXX XXXX for two months in order to get to the bottom of it. Betterment claims they do not have my money, but the last record of it is leaving XXXX XXXX and never returning to my XXXX XXXX XXXX  account. 

I can provide transaction numbers from both parties on request. 

I can't get either party to agree ; however, the transactions were initiated from Betterment and I believe they are in the wrong here having taken my money and not returned it.
Consumer complaint received 2019-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (MA)

Last XX/XX/XXXX I discovered that my XXXX XXXX odometer had been rolled back by XXXX Dealer in  my town. I had very serious engine problems had asked Wells Fargo to put a payment to end of loan in XX/XX/XXXX. It's been horrible financial strain Wells Fargo charged off the Truck in XX/XX/XXXX has refused to pick it up out of my driveway where it died in XXXX. I can not get anyone to come get it because I don't own the truck. I have made so many complaints to the AG of Ma, to CFPB, XXXX, XXXX, National Odometer Fraud. I have sent emails to Wells Fargo, Called every single day from XX/XX/XXXX to end of XX/XX/XXXX. I finally had to file chapter XXXX in XXXX because this hurt my credit so badly that I was unable to get a loan modification on my home. Wells Fargo had the nerve to submit a request for payment to the Chap XXXX court? I want this truck out of my driveway XXXX can't tow it, XXXX can't tow it I have been unable to get the snowblower out of my garage all winter and now I can not mow my lawn. I have XXXX XXXX XXXX so bad at night for the past year that I XXXX several of them and they were XXXX XXXX. I have had to pay so much money to have replacements put in my XXXX and the Doctors have never seen XXXX so bad. I just recently called the BK department end of XXXX demanding that they sent surrender papers to my chap XXXX attorney which as of today XX/XX/XXXX they still have not done. I have called and spoke to WFs 3 different times since first week of XXXX and they record all calls so I know the over 125 call I have counted since XX/XX/XXXX can be verified. I need the Truck picked up by Wells Fargo immediately.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (TN)

Re : Dispute of Outdated Debt Account Number : [ XXXX ] To whom this may concern for CONN APPLIANCES INC I am writing to dispute an account listed on my credit report. This account, with the account number [ XXXX ], is being reported incorrectly. 

According to the Fair Credit Reporting Act and the Tennessee statute of limitations Tennessee Code Annotated XXXX : Statute of Limitations on Debt, the time period for collecting this debt has expired. The account open date is [ XX/XX/year> ], which is beyond the 6-year statute of limitations for written contracts in Tennessee. 

I request that this debt be removed from my credit report immediately. Please conduct an investigation and inform me of your findings. Enclosed are copies of my credit report showing the account in question, along with documentation of the last activity date. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MA)

I was unable to access my funds online from Wells Fargo I called and was told my account was locked because of suspicious activity ( funds transfer ) I verified the transfer was initiated by me I answered all the verification questions and gave them the correct text verification code I was told Id still need to go to branch I informed them there is no branch in this state and Im a XXXX customer and if they cant grant me access them close the account and mail my funds to the address they have on file for me I was placed on hold and when the agent came they repeated that I have to go to a branch
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (KY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credence Resource Management for committing identity theft. I have never given Credence Resource Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor Credence Resource Management committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credence Resource Management can not provide me with proof such as a signed agreement between me and Credence Resource Management giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credence Resource Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credence Resource Management continues its collection efforts, I will file for litigation for actual damages caused and Credence Resource Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST HORIZON BANK (GA)

I opened this First Horizon checking account inXX/XX/2024 when the following account opening promotion was going on : receive a {$450.00} bonus when you open a new checking account and complete the following requirements : 1 ) Maintain a {$5000.00} average daily balance, 2 ) Conduct a minimum of 10 qualifying client-initiated transactions for each statement cycle for the first three full statement cycles I have met all the requirement for the bonus but the bonus was denied by First Horizon . According to the bank, my average collected balance for the first full statement cycle was less than {$5000.00}. After reviewing my account, I found First Horizon used a treacherous and unethical tactic to deny people 's bonuses. 

My account was opened on Thursday, XX/XX/XXXX. The first full statement cycle started on either XX/XX/XXXX or XX/XX/XXXX, since the first statement came out on XX/XX/XXXX. When the first full statement cycle started, it left me only 3 business days to get the funds in the newly opened account in order to satisfy the requirement. This is a mission impossible, given transfers between banks take longer than that. 

When I opened this account, I wasn't informed of that first full statement cycle would start in less than a week. I question how this XX/XX/XXXX date was chosen. After reading some posts on some online forums, I found there are many others have experienced same things and their bonuses have been denied by First Horizon using the same rhetoric. If people 's suspicion is correct, the bank purposefully pick a date so close to the account opening date, so that it can easily deny the bonuses people deserve.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Bank XXXX XXXX XXXX XXXX XXXX XXXX Subject : Concerns About Privacy Violation Dear Santander Bank, I hope this letter finds you well. I am writing to express my concerns regarding what I believe to be a potential violation of the Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) XXXX which governs the disclosure of nonpublic personal information by financial institutions. I have been a customer of Santander Bank for 1 year ( s ), and I appreciate the services you provide. However, I have recently become aware of a situation that has raised questions about your compliance with the privacy protections outlined in the aforementioned legislation. Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) ( 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 ) 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 nondisclosure option. consumer can exercise that After reviewing my credit report ( s ) from XXXX, XXXX and XXXX, I discovered that Santander Bank reported late payment starting on XX/XX/. According to Section ( C ) of the Opt out section of Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) Santander Bank should have provided me with an explanation of how to exercise my right to the nondisclosure of my personal non-public information. As a customer, I value my privacy and my rights under the law to protect my nonpublic personal information. The Gramm-Leach-Bliley Act is in place to ensure that financial institutions maintain the privacy and security of customer data, and I trust that Santander Bank will adhere to these regulations. I kindly request that you investigate this matter and provide me with an explanation of how Santander has complied with the privacy provisions of the Gramm-Leach-Bliley Act. If there has been a breach of privacy or a violation of the law, I would for Santander Bank to remove my personal information from XXXX, XXXX and XXXX. Also, I would like an explanation of how Santander Bank will prevent similar occurrences in the future. I look forward to your prompt response to address my concerns. Thank you for your attention to this matter, and I trust that Santander Bank will take the necessary steps to ensure compliance with the Gramm-Leach-Bliley Act and protect the privacy of its customers. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
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. (FL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.