davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Upon further investigation, the following companies ( Capital One XXXX XXXX XXXX XXXX ) has charged off these accounts. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. WHICH I NEVER RECEIVED. Capital One, XXXX & XXXX in accordance with the Fair Credit Reporting Act have violated my rights. Section 611 ( 15 U.S.C 1681i ) & Section 623 ( 15 U.S.C 1681s-2 ) requires creditors to provide accurate information to credit reporting agencies. The failure of not sending a 1099-C has led to inaccurate reporting. Also, IRC Section 61 ( a ) ( 12 ) states that when a debt is canceled, it is considered taxable income to the debtor, which is why the form 1099-C is NECESSARY. Another law, ( IRC Section 6050P ) requires creditors to file a Form 1099-C for the cancellation of debt if the amount is {$600.00} or more. This form MUST be sent to the debtor. Once again, I NEVER received one from any company listed above. Failure to file this form can result in penalties for the creditor. Please keep in mind when responding to my claim, IRC Section 6721 and 6722, which provides the penalties for failure to file correct information returns ( such as Form 1099-C ). Thank you.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

I am rewriting the complaint to TRUIST BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

There were XXXX fraud transactions on my XXXX Bank of America Credit card ending in XXXX On XX/XX/XXXX at XXXX XXXX XXXX for {$460.00} which was automatically flagged by BOFA as suspicious and asking me to Authorized. I replied NO to this question and the charge was not applied to the card. 

On XX/XX/XXXX XXXX fraud transactions were done on my XXXX Bank of America Credit card XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX # XXXX XXXX WA {$120.00} These were not flagged by BOFA as suspicious and they appeared on my credit card transactions list. 

When I saw these pending transactions, I immediately disputed them as fraud and raised a claim with BOFA Claim no : XXXX. I also cancelled & suspended the credit card and requested a replacement. 
BOFA declined the fraud claim with the following reason : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

However this was not the case, since the said card is still in my possession. I re-raised the claim in XXXX and it was denied again with the same aforementioned reason.
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-20
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. (GA)

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
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 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adelante, Inc (TX)

I am writing regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern to me as I was not previously notified of this collection, and I have serious reservations about the accuracy of the claimed debt.

As is my right under the Fair Debt Collection Practices Act, I am formally requesting validation of this debt. I expect you to provide this validation and take appropriate steps to address this issue.

Please note that a comprehensive response, including all requested items, must be furnished within 15 days of the date of this communication. Be advised that failure to provide a satisfactory validation response within this timeframe will be deemed insufficient.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00}
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (IN)

This complaint is regarding XXXX XXXX XXXX, a service company contracted by Citibank. 
On XXXX around Noon, I called Citibank about my Costco credit card as I was not able to obtain a statement or account status through the website, it stated only to Contact Us. 
I called the provided number, XXXX, and the automated system when requesting to speak with an agent transferred my call to a third-party debt collector, XXXX XXXX XXXX XXXX 
An agent XXXX XXXX answered the call and informed me of the pre-charge-off status, full balance over {$13000.00}, and the almost {$4000.00} that was unknowingly due on XXXX. I informed him I lost my job last XXXX and wasn't able to make a {$4000.00} payment. He then hung up on me. I called back and got XXXX again and told him how upset I was handling the call and he transferred me to the XXXX XXXX XXXX. I'm not able to communicate about my account at all at this time due to this individual.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC (LA)

XXXX {$2400.00} I explain that I go to pay in part but the ask me to pay the total they don y want to accept payment they want me to pay th total by XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (PA)

I applied for a loan Modification when I first started my XXXX XXXX in XXXX of this year. I was informed that the process could take up to XXXX weeks. I was experiencing a reduction in hours that caused me to fall behind in my bills and was looking for a way to make my monthly mortgage payment more affordable. I wasn't able to pay my mortgage for 2 months during the time I applied and was informed by the representees which are recorded conversations that if I did, I would be disqualified for the modification. I sent in all requested documents to support my Hardship and after XXXX weeks was approved for a partial modification where I had to do XXXX XXXX payments of the same amount I was already paying. That wasn't helpful to me as I was already in a bind paying that amount on the regular. I submitted an Appeal on the decision in XXXX and after 37 days was denied due to FHA loan restrictions. I called every day when the Appeal was pending and was told several different things about why it was taking so long, or why it might not get approved. My Appeal has been denied and now I am experiencing the same Hardship. 
I don't believe this lender did everything they could to really help me. I feel like they took the latter route because they didn't want to lose any money.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (IN)

This complaint is regarding Radius Global Solutions, a service company contracted by XXXX. 
On XXXX around Noon, I called XXXX about my XXXX credit card as I was not able to obtain a statement or account status through the website, it stated only to Contact Us. 
I called the provided number, XXXX, and the automated system when requesting to speak with an agent transferred my call to a third-party debt collector, Radius Global Solutions XXXX 
An agent XXXX XXXX answered the call and informed me of the pre-charge-off status, full balance over {$13000.00}, and the almost {$4000.00} that was unknowingly due on XXXX. I informed him I lost my job last XXXX and wasn't able to make a {$4000.00} payment. He then hung up on me. I called back and got XXXX again and told him how upset I was handling the call and he transferred me to the XXXX suicide hotline. I'm not able to communicate about my account at all at this time due to this individual.
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (VT)

NETSPEND NOTIFIED ME THAT " THERE was a problem with [ my ] account in about 2022 Since then I have repeatedly tried to get my money OUT OF NETSPEND but they won't close my account, won't send me a replacement c rd, and have had the use of my {$2000.00} AND I NEED THE MONEY! 

I understand the FTC sued NetSpend over t his type of shenanigan. So t his is NOT the first time these crooks have stolen money from U.S. consumers. 

I no longer have my Social Security direct deposited to NetSpend so I DO get myu money from the U.S. Government ( pension ), BUT I WANT WHAT NETSPEND HAS ON DEPOSIT! 

EVERY TIME I EMAOIL THEM THEY SAY THEY WILL " ESCALATE ' THE PROBLEM AND I WILL HEAR BACK PROMPTLY. I NEVER HEAR A THING. 


HELP HELP HELP!!!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to follow up my previous dispute about the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.
Consumer complaint received 2023-04-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Federal XXXX judge denied Bank of America motion to dismiss my wrongful foreclosure adversary and clearly ruled that Bank of America and XXXX XXXX XXXX were untimely initiating foreclosure on XXXX 
The judge has made a very detailed finding of fact, with day by day accounting, that clearly shows that Bank Of America and XXXX XXXX XXXX untimely initiated nonjudicial foreclosure. 
The attorneys/parties to that litigation did not appeal the courts decision, and under this court order and the doctrine of Stare Decisis they can not restart the same foreclosure without a court permission. 
The state court is bound to the federal court decision. 
The attorneys and their law firms are liable if they ignore federal court ruling and a finding of fact by a federal judge if they intentionally untimely initiate foreclosure. 

On XX/XX/XXXX attorney XXXX from XXXX XXXX foreclosure XXXX and attorney XXXX from XXXX XXXX foreclosure XXXX restarted the same untimely foreclosure and recorded an irregular Amended Notice of Default explicitly stating that it is solely for the purpose of setting a new sale date under the previous Notice of Default recorded on XX/XX/XXXX that was ruled to be untimely by this courts XX/XX/XXXX order denying the defendants motion to dismiss the wrongful foreclosure adversary. 
And, also recorded in violation of the XXXX automatic stay that is still on. Even though the XXXX was dismissed on XX/XX/XXXX it has not been closed, and it is still active and Bank of America attorney has just filed an objection to the XXXX Trustee Final Report and theres no court order lifting the stay. 
The same defendants attorneys that were personally present in all the hearings in which this court clearly stated its serious concerns about their untimely filing of the XX/XX/XXXX NOD ( calculated by this court to be untimely as of XX/XX/XXXX ) brazenly filed again under the same NOD on XX/XX/XXXX thinly veiled Amended NOD, without providing any Alaska statutory support.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (LA)

While going through my loan documents with Honda financial on XX/XX/XXXX I learned that employment that I was not current at during the time of application was included. 

I am writing to formally dispute the inclusion of a loan on my credit report that was obtained fraudulently without my knowledge or consent. The loan associated with Honda Financial, was open on XX/XX/XXXX. I was not employed by the company listed on the application, and the information was entirely false. I was never asked nor did I provide any check stubs with that information on it. 

This fraudulently opened loan has negatively impacted my credit score & caused several financial difficulties.
Consumer complaint received 2024-08-12
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: DISCOVER BANK (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (GA)

I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase. I have attached the letters and the dates that I mailed them for your reference.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (TN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I was never late on this account. Its clearly a billing error. Ive had this account eight years with no late payments or missed payments except for this one thats posted on my credit report thats an accurate. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. This inaccurate bill and era has called severe hardship to my reputation, my character and my mode of living into my family. I need this late payment deleted.