davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (PA)

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 


Please immediately delete the following accounts immediately from my credit report! 

XXXX XXXX CHARGE OFF {$880.00}, XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF {$1100.00}, XX/XX/XXXX XXXXXXXX XXXX XXXX CHARGE OFF {$620.00}, XXXX XXXX XXXX XXXX CHARGE OFF {$740.00}, XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF {$29000.00} XX/XX/XXXX When a Creditors writes off a debts after a set amount of timefor example, one, two, or three years after you default. The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden. The same is true when you negotiate a debt reduction. The creditor will report the amount you didn't pay to the IRS. 
Of course, the IRS still wants to collect tax on this money, and it will turn to you for payment. Because you no longer have to pay the full amount of the debt, the IRS treats the forgiven amount as gained income, for which you should pay income taxes. ( That additional income might also affect your state taxes. )
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

My personal checking account with Citibank was closed due to the fact that I had a SBA Eidl loan deposited into the account. I am a sole proprietor and was unaware that I could not have a business loan deposited into a personal checking account. 

I was told that once the account was closed that Citibank would send the loans back to the SBA. The account was closed on XXXX XXXX and Citibank still has not sent the loans back to the SBA. This is of great concern to me because in the SBA does not receive the loans back soon then I will either have to pay on a loan that I never had access to or I will be in default which will negatively affect my credit and what is worse I could have my assets that was used a collateral seized.

I would like for Citibank to send the SBA loans back to the SBA immediately.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure payments are made on time for this account, avoiding any instances of overdue payments. The reasons for the reported late payment remarks on my accounts remain unclear to me. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I sold a XXXX XXXX XXXX XXXX on line through XXXX  and the customer paid {$3500.00} for the machine and {$100.00} for the shipping of the machine. The customer paid through PayPal and took out {$100.00} for their fee. Which left a total of {$3400.00} which I had not received any part of to date. On XX/XX/XXXX I sold through XXXX  a XXXX  XXXX XXXX machine for {$3500.00} and {$190.00} for shipping. Again the customer paid trough PayPal and PayPal took out {$100.00} for their fee. Out of this second transaction PayPal released to me {$2500.00} which leaves an outstanding balance of {$4500.00} which is being held.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, 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. (IL)

I received my credit report onXX/XX/XXXX and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have permissible purpose to be on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
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: EQUIFAX, INC. (NC)

I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX XXXX and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2021-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION (FL)

Payment was refused at check 'n go mailed in additional payment check date XXXX. 
Amount of Claim : {$550.00} Late Payment Amount : {$580.00} Account currently in collections XXXX XXXX who is also avoiding. 

XXXX Branch Closed XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (NV)

I received a Letter of Notice of Unpaid Electronic Fund Transfer from TRS Recovery Services. Reference Number : XXXX. When I contacted them, I could barely understand the customer service agent to dispute the charge and request copies of all documents. I was told to send in a online request. When I attempted to fill out the form online, all the form did was error out when I submitted. The CSR told me to call the financial institution of the alleged account. I don't have an account with that financial institution, so their fraud department was unable to assist. I also called TeleCheck Services Inc., and they were unable to assist since I'm not in the system. This business wanted my personal information for some reason without providing copies of the debt they say I owe. 
When I contacted the local police department of the incident, the officer wanted information was was not provided by TRS Recovery Services. 

TRS Recovery Services & TeleCheck Inc. believe you are guilty until I clear my name. I will not provide my financial information any personal identifying information until TRS/TeleCheck provides documentation of a debt. 

TeleCheck may not approve my checks at stores and financial institutions according to the collection letter. Even though it's not my debt. 

I AM DISPUTING THIS DEBT.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (PA)

In XXXX of XXXX I refinanced my home with Homeside Financial, with the first mortgage payment of {$1400.00} coming due on XX/XX/XXXX. I sent a check to pay for this payment on XX/XX/XXXX with the expectation that the check would be processed in time. After not receiving confirmation of payment, I called Homeside Financial and they stated that they had not seen or processed the check yet. I created an online account with Homeside Financial and submitted an electronic payment for the XXXX mortgage payment on XX/XX/XXXX. On XX/XX/XXXX, I made my next electronic payment for the month of XXXX. 

On XX/XX/XXXX the original check that I had sent to Homeside Financial was cashed out of my checking account. Since I had already made my XXXX and XXXX payments, I expected that the check would be credited towards XXXX or applied as a direct principle payment. 

On XX/XX/XXXX I called Homeside Financial again to see why the amount had not been applied to my account and went through the process of verifying that the amount had not been already processed. When we confirmed that the check had not been applied, I spoke with a supervisor who instructed me to send an email to XXXX and XXXX so that they could research the issue. I sent an email the same day with a copy of the front and back of the check. The back of the check had their stamp stating " For Deposit Only Homeside Financial LLC ''. The account number that they stamp on the check was unreadable. 

On XX/XX/XXXX, I received an automated mailer acknowledging that the email had been received. 

I sent a follow up email on XX/XX/XXXX, since I hadn't received a response via email or any update. Later the same day I received another automated mailer with the same content as on XX/XX/XXXX. 

On XX/XX/XXXX I finally received an email back from Homeside Financial apologizing for the response time taking so long. I called the same day and was told that I should expect an answer by XX/XX/XXXX. 

On XX/XX/XXXX I called Homeside Financial as they had failed to provide an update. I was told over the phone that they were processing the payment to my account and that it would be applied by XX/XX/XXXX. 

On XX/XX/XXXX I received an email stating that the payment was still be reviewed by the corporate office. This was contrary to what I was told prior. I called Homeside Financial and was told that there was no payment processing to my account and that the issue was still being researched. I spoke to a supervisor and they stated that they'd reach out again to the research team but were unable to provide a date when I would hear back or any other information that would help recover my money.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I've been disputing fraud bankruptcy on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The bankruptcy is not showing in dispute nor is it removed from my report. The bankruptcy always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud bankruptcy affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the bankruptcy to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

I, XXXX XXXX XXXX XXXX sent LEXISNEXIS certified mail receipt on XX/XX/2021 concerning the incorrect/ inaccurate information that is/was being reporting on my consumer report. I have received a letter dated XXXX XXXX from LEXISNEXIS concerning this matter with information that has remained on my report after my dispute. LEXISNEXIS has violated my privacy and reputation pursuant to FCRA ( 15 USC 1681 )
Consumer complaint received 2021-03-09
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CO)

Fradulent, unauthorized charges were made to my American Express credit card. I reported these charges to American Express in less than two days. They issued me a new credit card but have neglected to reverse the fraudulent charges.

American Express is in violation of the Federal Credit Card Fraud Law because this financial institution did not limit my liability to fraudulent activity as required by the law.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I sent in documents to Experian explaining how personal information was on my report that did not belong to me such as names, addresses and SSN, to my knowledge those information was removed, however the negative accounts that were associated and opened with those such names, addresses and SSN that were deleted from my report are still listed on my credit report, these negative items are affecting my ability to build my credit and is a clear violation of my rights, these negative accounts do not belong to me as its been well over 45 days plenty of time for the company to correct and delete these items associated with those personal information that did not belong to me in the first place.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-03-09
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (TX)

I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.