davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (AZ)

n accordance with the Fair Credit Reporting act Experian Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

other credit reporting accounts are XXXX.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (AL)

I filed a bankruptcy that was discharged in XX/XX/XXXX ( see attached and case number XXXX ). 
One debt that was discharged was a home equity line of credit with Wells Fargo Bank for {$20000.00} ( see attached Bankruptcy List of Creditors ). 
In XXXX, Wells Fargo sent a 1099-C debt cancellation form to the IRS for this debt ( see attached ). This was never sent to me but in XXXX the IRS notified me of this and said I owed taxes now as income from this debt cancellation. 

I attempted several times with Wells Fargo to talk to them ; here are my records of those calls : XXXX spoke to XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX ( left message with them- wrong line ). 
XXXX left message again at XXXXXXXX XXXX XXXX XXXXXXXX left message again at XXXXXXXX XXXX XXXX  Called this number which they gave me : XXXXopen until XXXX XXXX ( they told me this was not the right number, this is for student loans ; I never had a wells fargo student loan ). 

XX/XX/XXXX XXXX XXXX- spoke with someone- they did not find the account number listed on their own 1099-C form, looked up by SS # and they found the 1099-C and sent to me.

She says it was a charged off loan but if it was not re-affirmed- they should not have sent a 1099-C form to the IRS. She says she needs me to talk to the bankruptcy team to talk to them.

She gave me this number : Bankruptcy team- XXXX Spoke with XXXX Account # was XXXX for home equity/mortgage XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX XXXX can not help me. She says I need to go to the back office to help. Total time on the phone XXXX hour and XXXX minutes. She refused to help me or direct me to the back office that she said I should be speaking to.
Consumer complaint received 2022-11-08
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed 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
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

In XXXX, a debt associated with XXXX XXXX and XXXX was removed from my credit reports. In XXXX, XXXXXXXX XXXX XXXXXXXX purchased this debt from somewhere. I contacted the credit bureaus to inform them that this was falsely being applied. 

I have never spoken to this company nor had any contact with them. However, they have sought to validate information about me that I have never provided to them. Experian has allowed them to submit new addresses and additional information which I never provided to them to complicity engage in this fraudulent act to cause me financial harm. 

The debt associated with XXXX XXXX XXXX was removed because it wasn't my debt. However, XXXX was removed from XXXX and XXXX credit reports for not having vaild authorization to report to those accounts. Experian chooses not to comply and conspires with XXXX to damage my reputation and inflame defamation of my name.
Consumer complaint received 2022-05-25
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$50000.00} XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} : XXXX XXXX XXXX Balance : {$50000.00} TransUnion : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Block, Inc. (TN)

Im a small business owner, information was reported to the IRS that was inaccurate. When I reached out to cash app/the company to have the info corrected they have not been able to assist me in the matter, they have not been able to verify my identification. Ive asked them to pull my information using my SSN, but they said they cant do that, but they reported something to the IRS under my SSN that was inaccurate. Ive contacted the company on many occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been in contact with someone over the phone as well as support through the app, they are not able to talk to me about my account. Prior to this they closed my account for no reason. I believe they have mishandled my information, and thats why my account was closed. As a result of the information that they provided to the IRS I now have to pay the IRS {$11000.00}. They reported this for the year XXXX which was the pandemic and my business was forced to be shut down for over half that year. I didnt have any income from XXXX XXXX. Cash app reported I made earnings totaling {$27000.00} for that year. Cash app is saying that they can not verify me, the information XXXX giving them doesnt match their records. The info they asked for to verify me is my legal first and last name, last XXXX of SSN number and birthday. Even had to send in a pic of my ID front and back and a selfie of me holding my ID, they are still saying that they can not verify me. I even pulled my bank statements and all the cash app payments for that year did not add up to the number they reported. I believe someone has mishandled my information at cash app and I need someone to speak with them on my behalf, because I am not getting anywhere with them.
Consumer complaint received 2022-11-08
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed 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
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

I opened a dispute for a transaction I made online using this card. I never received the merchandise and after contacting the seller it was clear that they were not going to send me the merchandise I purchased or provide a refund. As you can see from attachment of my message with seller, whenever I'd submit an inquiry they would respond with generic responses. The attachment includes a response that when read does not even make sense. The transaction was made at XXXX and since I did not have an account with them I was unable to initiate a claim using their service. Since seller was not cooperative I contacted CashApp, who gave me the card I used, to help me in initiating a dispute through the XXXX XXXX. CashApp denied my claim saying " no error was found ''. This denial does not even indicate to me that there was a reasonable review of relevant information provided. In fact I don't think they even initiated a XXXX dispute/chargeback. Additionally I received 0 correspondence in regards to my dispute. I wasn't notified of when I initiated the dispute and also wasn't notified that it was closed and denied.
Consumer complaint received 2022-05-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (TN)

XXXX**DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and *VALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within XXXXhirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including excessive calling must cease, moreover credit report deletion. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (NV)

15 us code1635 right of recession gives borrowers an extended right to rescind within three years if the lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures. 


I dont have title I don't want account any longer don't have proper paperwork don't want contract any longer voluntarily repo Can't get the car registered fail behind in dmvs fees due to inaccurate material disclosure... please take the marks off my credit report
Consumer complaint received 2022-05-25
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: Ability Recovery Services, LLC (GA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy. 

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Over a decade ago I had a credit card account with Capital One that went into default. Approximately 3 or 4 years ago this account stopped being reported on my credit report since it was older than 7 years. Today, several years after the account had fallen off my credit report, I was declined for a XXXX XXXX XXXX. The reason listed was only " too many delinquent past or present Capital One credit obligations. '' If there is a 7 year limit on derogatory credit information, and my previous account is about 11 years old and no longer shows up on my credit report for several years, how is this information still being used against me? I believe that Capital One is illegally maintaining and using derogatory information for accounts beyond the 7 year limit. This seems like a violation of my privacy, and I have worked hard to ensure my credit is sufficiently re-established from a negative life event over 10 years ago. Is capital one routinely maintaining zombie debt records that will haunt me for the rest of my life? Is there any way to force capital one to purge this information just like it fell off my credit reports a few years ago? The weirdest part of this whole scenario is that I've had 2 Capital One Auto Finance loans with great terms fully paid ( with no late payments ) in the past 5 years. This is likely a problem specific to the credit card department.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this XXXX XXXX XXXX on Transunion and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (CA)

I have disputed this XXXX XXXX XXXX on Equifax and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (CA)

I have disputed this XXXX XXXX XXXX on Experian and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a current complaint on file number XXXX. The original complaint was against a countrywide home loan number XXXX address XXXX XXXX XXXX XXXX, XXXX, ca. XXXX. I was offered a trial payment plan and have attached a copy of the terms, after now completing the trial payment I have been offered a permanent modification that must be signed and accepted by XX/XX/XXXX for the offer to remain. I have attached a copy of the offer. My issue is the new offered principal balance is double the value of the property both the bank BPO appraisal and current comps concur. The bank states I owe a past due interest of {$350000.00} and Taxes and Insurance of {$100000.00} the total being {$450000.00} this amount was based on the original 10.35 % in addition the bank foreclosed on the property after the original repayment to modification agreement they failed to honor. The house was not owned by us for over 6 years we had no negotiating power and this amount also includes inflated forced insurance placed on the property and a reassessed tax that we were not responsible for. The end of the new offered modification states that the modification terms are based on a 40 yr loan and 2 % rate but my original loan will be due on the original maturity date in XXXX, XXXX ( 20 Years ) at which time I will have a final payment due they stated also known as a balloon payment of {$620000.00} not included any estimated additional interest. I feel the bank should dismiss the amount of {$450000.00}. This loan should be restructured based on countrywide non fulfillment of the original repayment to modification. I would have not been responsible for such a high interest and would have had the power to negotiate and access program and other assistance. I will have difficulty with accepting the terms and feel backed against the wall. This is not fair to the consumer, I am now after the death of my husband due to the stress of all this am a single mother. I had to go through hoops faxing, calling, uploading and following up just to be denied and had to appeal the decision because to get this modification, because once again my paperwork was in several different areas. In one day I received XXXX different packages from Bank of America. I would receive a call from a XXXX stating they had all documents and then a packet the next day saying documents are missing. I had XXXX calls in one day from XXXX different reps all claiming they were the point of contact. This process has become De Ja Vue, from what I went through before. I also was made aware after accepted the terms of the Trial that my credit could be adversely affected. How is this so? I was already foreclosed on XX/XX/XXXX after I made repayment to modification payments after filing chapter XXXX I reestablished a decent credit score. Now they get to screw up my credit again. Please help!
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (FL)

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked to get deletions of these accounts off my credit report but they refuse to do so. The Debt is not valid at all. No documents show proof of these were authorized by me. I need proof showing these belong to me.

15 U.S. Code 1692g - Validation of debts Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.