davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (DE)

Hello, My identity was stolen, their was incorrect address on my credit report that Ive never lived at I lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My parents do everything for me. I dont own a XXXX I XXXX XXXX, let alone have a XXXX  card, there is a XXXX  card and XXXX  loan thats in my name. That I have no knowledge of, when I went to file a police report I got turned down because I didnt have the information thats on the accounts but I dont know the information thats on the account and I tried to get them Over the phone with the companies but had no luck, Please assist
Consumer complaint received 2024-01-08
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: I.C. System, Inc. (FL)

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living 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.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness.

I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home 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: WELLS FARGO & COMPANY (SC)

On XXXX XXXX Wells Fargo Home Mortgage sent a response back to Case Number XXXX. 

My complaints/issues are : Wrongful Loan Modification Wrongful Foreclosure Request For Restitution CFPB Settlement What I want to know is was I wrongfully denied or wrongfully removed from payment assistance on 5 occasions?, if so, on what dates were these 5 occasions, please specify with a dated copy of these letters.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

I have had an ongoing issue with JP Morgan Chase Bank, XXXX XXXX, as well as their internal fraud department. 

On or about XX/XX/XXXX I opened a checking account with chase bank and upon depositing incoming funds, they flagged my account and accused me of fraud. 
As well as accusatory actions from internal bank branch employees, and the XXXX department they have based out of XXXX and claimed that they would not be opening a chase account due to my " fraud '' history. 

With that being said, I demanded the legal department information to begin legal action against Chase due to the defamatory accusations and their illicit business practices. 

I have previously submitted in writing formal affidavits sent to me by customer claims department back in XX/XX/XXXX ; I even followed up with the claims department at which they confirmed receipt of the identity theft affidavit and the customer complaint docs and advised it would take up to XXXX business days for the information to be reviewed. 
so, from XXXX I managed to file an identity theft claim and open a chase account that was even confirmed by branch agent that those fraud accounts were closed out leaving me eligible for opening a chase account. 

So, after an exhaustive and insulting debacle in the chase branch, due to their failure to process a deposit payment, and or unfreeze my account. I was then contacted by a XXXX over at the XXXX office she provided me a case number XXXX and phone number XXXX ext. XXXX email XXXX to upload same documents i have previously sent to the fraud dept in XXXX and now we are at XX/XX/XXXX and i have yet to hear anything from the case outcome, nor have i not been able to access the current chase account ending in XXXX ; but they did restrict my online banking ability and froze me out of accessing the information. 
I feel that this matter needs to be escalated and they need to be sanctioned for their failure to provide adequate and factual information to me as a consumer, the failure to follow up on an XXXX complaint, the defamatory statements made by the fraud department and the overall treatment done to me. this would be the second complaint I submit over this issue, and i have yet to see any resolution. 

thank you. 
XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I recently discovered that CHRYSLER CAPITAL has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress.

According to the regulations outlined in the 15 U.S. Code 1681s2, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. CHRYSLER CAPITAL has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty.

CHRYSLER CAPITAL has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

Furthermore, I have not received a Form 1099-C from CHRYSLER CAPITAL , which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines . This form is crucial for accurately reporting taxable income. 

I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account Name/Account Number XXXX XXXX XXXX  / XXXX In accordance with the fair credit reporting act convergent accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 206 A. States I have right to privacy.

15 U.S.C 1681 Section 206 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validating violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (NJ)

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX  XX/XX/2024 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-01-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TN)

On XX/XX/2023 at approximately XXXX XXXX  one person from titlemax conspired with one person from XXXX XXXXXXXX XXXX XXXX to illegally trespass on my private property to steal my property. I was never given full disclosure of this consumer credit transaction/ Security Agreement which makes the contract and anything agreed to null and void. You have breached the peace, in violation of breach of duty, breach of trust and breach of contract. You are asking for payment in floating rate notes when the Constitution/ Bill of rights state the only Lawful currency is gold and silver hence makes this transaction an obligation or other security of the United States . You failed to send me a " Notice of right to cure '' before stealing my property, also your employee XXXX from the XXXX, Tennessee location disclosed that I have not paid to someone not signed on the contract. You have damaged me emotionally, Financially and physically by restraining my ability to trade. My prayer for relief is you release my property back to me and compensate me to the full extent for the damages and serious harm you caused me. This is Extortion and I will express all my legal remedies if the matter is not resolved promptly. If compliance with your SEC filings is not honored I will be forced to contact the SEC for violations of said agreement.
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Discover Bank {$1800.00} # XXXX I trust this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit profile. I recently discovered unauthorized credit card accounts opened in my name, and it has come to my attention that these incidents are a direct result of the XXXX XXXX XXXX. 

Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. 

I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : 1. Investigation and Verification : Please conduct a thorough investigation to verify the unauthorized credit card accounts linked to my profile. Any additional information you may require from my end will be promptly provided.

2. Removal of Unauthorized Accounts : Given the circumstances surrounding these accounts, I request the removal of the unauthorized credit cards from my credit report at the earliest convenience. 
3. Communication and Documentation : Keep me informed throughout the process and provide documentation outlining the steps taken to address this issue. Transparency in this matter is crucial for my peace of mind and the restoration of my credit integrity. 
4. Police Report : I have filed and provided a Police report from XXXX. 
5. XXXX Claim : I have a filed and attached a claim with XXXX. 
6. XXXX XXXX XXXX information Impact have provided conformation my information was exposed as a direct result of the XXXX XXXX XXXX. 
7. XXXX # XXXX I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. 

Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. 

Thank you for your attention to this serious concern. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX and XXXX are reporting inaccurate information in regards to my XXXX  XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to XXXX XXXXXXXX XXXX the holder of my mortgage. XXXXXXXX XXXX XXXX mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called XXXX to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though XXXX 's collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX XXXX XXXX and I first want to thank you for taking the time to read this letter. Ive had a great experience with WellsFargo and my goal is to maintain the relationship weve built over the last years. I recently pulled my credit report and discovered I have a late payment that was reported on XX/XX/2023 for my account XXXX. During that time, I forget to set up my AUTOPAY I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration.
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (WA)

I purchased a Vehicle back in XXXX of XXXX from XXXX of XXXX and the lender Santander Consumer USA located at Santander Consumer USA Inc . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I have had this vehicle for 5 years and 3 months. I have paid a total of {$15000.00} but the company has delegated XXXX towards the interest of the loan and only {$630.00} towards the principal of the loan. I still have a balance owed of XXXX at an Interest rate of 22.57 %. 
When I request an estimated payoff quote, I receive this message on their website " The estimated amount to pay off your account is {$12000.00}. '' I am struggling to get the balance of this Vehicle down to the point I will own the Vehicle. I love the Vehicle and do not wish to surrender it so I would request that they lower the interest rate to something more reasonable or forgive the remaining balance due to paying off the loan balance within the past 5 years. 

If I continue to make regular payments, I will not have the total balance paid off by the maturity date of XX/XX/XXXX. 

I hope we can get this resolved. 

Thank you for your prompt response.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

Dear ONEMAIN, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

2 years ago in my dental office I got credit card XXXX XXXX XXXX, and it was offered 3 years no interest credit to use it for dental bills. I made ( and continue to make now ) regular monthly payments.Paper notifications and bills I stopped receiving a long time ago.For today my debt is $ XXXX paying it every month to pay off by XX/XX/2024, as was offered. But XX/XX/2024 I received huge bill ( now its {$2800.00} ), when I called they explained that offer expired in 2 years. I didnt receive any notices, and was sure I have one more year, but they counted me % for all the time.Its a trick and not fair to the customer, I told them.But customer service was very rude. 
My account number there is XXXX.