davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that has 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 : XXXXXXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


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. 

XXXX XXXX XXXXXXXX XXXX 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 XXXX 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.
Consumer complaint received 2023-08-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Fig Tech Inc. (FL)

I have been trying to get a hold of someone at Fig loans to try and fix my credit report. I called several times and got hang up on. I finally sent an email and I still havent heard back yet. Its impossible to get someone on the phone with this company. Everything is done online but when you have an issue you cant get someone on the phone.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/2023, scammers accessed my Wells Fargo account and set up a wire transfer of {$25000.00}. They then called me from what appeared as Wells Fargo 's XXXX number and impersonated Wells Fargo 's fraud department. They told me my account was compromised but they would assist with securing everything and reversing any fraudulent transactions. They told me we would be sending a wire back to myself to rectify the situation. The wire appeared as if it was being sent to me but was sent to a XXXX XXXX XXXX  account to someone I have no relation to. The wire was unauthorized and does not benefit me in any way. The next morning I contacted Wells Fargo regarding this matter and they referred me to the fraud department phone # and instructed to call on Monday morning, XX/XX/XXXX, which I did. 

On XX/XX/XXXX, I filed a claim with the Wells Fargo fraud department and they assured me my money would be refunded within XXXX business days. On Monday XX/XX/XXXX, I received a letter in the mail stating I would not be reimbursed the money per Wells Fargo 's terms and conditions. This is in clear violation of the EFTA, regulation E. I have escalated the claim and received notice from Wells Fargo that they are looking back into it.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

Citibank Credit Cards. They have raised my interest rate to an extremely high rate. I called and they will not lower. It is currently 20.24 %. At this rate I will never get it paid down. It is the highest interest card I have. Can you help me?
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (ME)

I added a new bank account and verified autopay is on ( it currently still is ). Upgrade sent me a confirmation email the night I changed my bank account and their website confirms this change. Upgrade failed to deduct my autopay balance on the date set up and is not returning my calls or emails. I now have a delinquent account due to their automation failures, zero fault of my own. I have attached a screenshot of the email sent immediately after updating my account that confirms autopay is on. It also shows active in my account under manage bank accounts
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc. (MI)

In XXXX of XXXX, I was in an accident with grandmother, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from Arbor Professional Solutions for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the billing company XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

I keep getting billed a late fee per month on no outstanding balance. They send me this every month. It started at {$25.00} late fee for zero balance and continues to come each month with another late fee tacked on. 
Hello XXXX. 
Your total minimum payment of {$200.00} is due on XX/XX/XXXX 2021 Here is how to make your payment : Log into your account online at www.syncbank.com/amazon Call us on line toll-free at XXXX Mail your payment to : Synchrony Bank / Amazon.co Store Card XXXX XXXX XXXX XXXX FL XXXX XXXX If you can not pay this amount please call XXXX to discuss options ans how we may be able to help.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gravamen Asset Management Group LLC (FL)

Hi, After filing a complaint with CFPD, On XXXX the XXXX 2021. Regarding a debt I have no knowledge. I also received a call from XXXX, who stated he's calling from Gravamen Asset Management Group LLC. I asked XXXX to please provide me a address to mail debt validation letter. XXXX continue to advise me a letter will be mailed to me I was unable to get address. I had to XXXX the company name the address shows as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX the problem on XXXX shows different suite # 's, so it's very hard to know which suite is correct. I priority mail my debt validation letter today to the address provided into this complaint to suite XXXX which seem more recent. I have called and left messages as well.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

This is a XXXX account now a collection account that now appears as a collection account for {$1200.00} Account Name EOS CCA. In XX/XX/2013 i was contacted by XXXX, my cell phone provider at the time. They informed me that my data which included my location was accessed multiple times during the month of XXXX 2013 including my location by an unknown third party that breached XXXX security system. They offered me free months of service which i denied. They agreed to close my account with a XXXX balance. i went on to obtain a new carrier. I began to received bills from XXXX, I attempted to resolve the bill, they stated they would fix and XXXX the balance and that never happened. I have disputed the account with the credit beurou and they continue to report this information as correct and accurate.
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

I received a summons from a law firm today claiming to represent Crown Asset Management. 

I did not receive a debt validation notice. 

If I had, this matter would have been paid in full. 

I have been on hold with this law office for over an hour and no one will answer the phone. 

How can I pay a debt if no one will take my payment?
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (AZ)

The company is reporting a collection account that they no longer own and have transferred back to the cable company XXXX. I called to settle two days ago and they can not even take a payment and refuse to remove it from my credit report even though I can't settle it with them. I have to go back to XXXX and they can't gurarantee that they'll communicate the paid in full status with Sunrise. I want the Sunrise Credit removed from my report. They do not have a collection account on me.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (MS)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (FL)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CO)

My contract says late payments will only be charged a {$15.00} late fee with no interest added. While making a phone payment to XXXX XXXX ( in S. Carolina ) he told me the company had changed my account from a fixed interest to a compounded interest and 'I had to lump it and there was nothing I could do about it, I just had to pay up '. He also stated they could do anything to me they wanted. Today I paid the last payment on my contract and they said I still owed {$1400.00} in payments. Enclosed are copies of my contract and a copy of my payments from the start of XXXX to XXXX. I have continued making payments till present. I have been told repeatedly I am up to date on my contract. Almost every month there was a new way of charging more money outside the outline of the contract.
Consumer complaint received 2022-01-31
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. (IN)

I have a fraudulent Bankruptcy account on my credit report that I did not authorize and Trasunion are violating my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. I also contact the U.S Court and they informed me they did not furnish this information to Transunion. If my issue is not resolved I will seek remedy and will move forward in the court of law.
Consumer complaint received 2021-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently was notified by XXXX XXXX that i got hit with a hard inquiry from XXXX/XXXX XXXXXXXX i never applied or authorized anyone to do this. I would like this removed off my credit report. It was fraudulent activity to best of my knowledge. I have no knowledge of it. I never went into there store. They are saying XX/XX/XXXX. That is inaccurate have not even been inside a XXXX since covid.
Consumer complaint received 2021-04-16
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. (VA)

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

Equifax also failed to respond to the letter sent XX/XX/XXXX so along with the dispute letter for XX/XX/XXXX I sent a nonresponse letter to Equifax. 

The account has not been removed from my credit report.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (NY)

XX/XX/XXXX I was contacted by a XXXX XXXX at XXXX who claimed that I had a credit card with XXXXXXXX XXXX in XXXX that had a balance of {$470.00} but has accrued over {$1000.00} in interest. I have never even heard of this account. This man had my personal information and would not accept the fact that this debt has never been mine.
Consumer complaint received 2021-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC (KY)

Loan discharged in bankruptcy chapter XXXX, Bankruptcy XXXX XXXX XXXX Kentucky. Despite company being directly contacted by the court, as well as their attorney, and later contacting the company myself a second time, they have failed to remove a civil suit from the XXXX XXXX XXXX XXXX. This seems to be a continuing effort to intimidate and harrass as this suit is a public record. They are thumbing their nose at the Federal Court. Additionally it can be considered a continuing attempt to collect a debt which has been discharged on XX/XX/XXXX. 

This is my second complaint against this business. The first was caused by falsly accusing me of providing an nsf check which they then attributed to a mistake and not coercion. 

This business needs to be investigated for their practices.