davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (IL)

My daughter refinanced her XXXX XXXX XXXX XXXX ( on which I am a co-signer ) with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. XXXX was supposed to pay off XXXX XXXX XX/XX/2020. My XXXX XXXX first pay to XXXX was scheduled for XX/XX/2020,. 

As of XX/XX/XXXX, XXXX paid off the loan to XXXX. However, XXXX already reported a 30-day deliquency on the account, which decreased my credit score by nearly 100 points. I requested a rapid credit rescoring of XXXX, and they have opened a dispute. 

I am in process of purchasing a home. I need an immediate rapid rescoring of my credit because I am not at fault for the error made by XXXX on my daughter 's account. 

My case with XXXX XXXX is XXXX. 
My daughter 's Request Number with XXXX is XXXX. 
My Experian Reference Number is XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX, IL
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

In XXXX  I settled debt with Paypal/Synchrony Bank and closed my accounts with them ; I had one and my husband had one. Apparently, they decided to sale my debt to third party ( XXXX XXXX XXXX after settling my account with me. Now, XXXX XXXX is attempting to collect approx. {$500.00} from me when I have already paid the money to the original creditor! I am no longer responsible for this debt!! I have proof that I paid it and I will not pay one more cent.
Consumer complaint received 2020-12-24
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. (TX)

XXXX XXXX and Transunion immediately cease all credit reporting on my report XXXX XXXX XXXX of collections with XXXX XXXX XXXX. This is a violation of FCRA. 
XXXX XXXX XXXX XXXX ( 2 ) XXXX {$600.00} and {$460.00} XXXX XXXX XXXX XXXX has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXXXXXX. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. 

Immediately cease reporting of false and inaccurate statements to credit bureaus Transunion, XXXX and XXXX by XXXX XXXX XXXX.
Consumer complaint received 2023-09-08
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: WELLS FARGO & COMPANY (GA)

I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

On XX/XX/2020, I sent {$250.00} to XXXX XXXX with the email XXXX through the app Zelle for basketball tickets. I never received these tickets. I even sent a request to receive this money back from them, but of course I never got anything back. I first contacted Zelle, but because the transaction was made through my bank 's mobile app ( XXXX XXXX  ), I was authorized to contact XXXX itself. I called XXXX, and the first woman I spoke to was very friendly, sympathetic, and helpful. The next woman she transferred me to was very frank that my bank would not be able to help me because I was the one who initiated the transaction, and that it would have been different if my debit card was used. I asked her what the difference was between swiping my card and pushing a button on an app, but she couldn't give me a straight answer. She said I would have to take legal action against " XXXX XXXX. '' I notified her that I sent multiple emails to this user, and then asked how to get more information about this person so I could. She again couldn't give me a straight answer. It is frustrating that my own bank can not support me against fraud. After this happened, I saw that this exact situation happened, but the victim banked with XXXX XXXX, and was able to receive a " courtesy '' refund. If this can not be resolved, I would very much consider switching banks. It is a shame that XXXX partners with an app that is capable of allowing fraud.
Consumer complaint received 2020-12-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC (DC)

On XX/XX/2020, a deposit of {$600.00} was deposited into my checking from Nationalsmallloan XXXX. Initially, I was surprised because I never spoke to anyone pertaining to a loan. Since the telephone number was included in the description of the XXXX deposit I contacted Nationalsmallloan and excepted the terms and loan.The terms consist of XXXX payment beginning on XX/XX/2020 and XXXX additional payments bi-weekly unless the full balance was paid off. So I made another payment of XXXX on XX/XX/2020. 

On XX/XX/2020, I contacted Nationalsmallloan in an effort to pay the loan off in full. This is when the problem occurred. I informed a representative that I wanted to pay off the loan in full and the representative asked to take my number and someone would call me back with an exact pay off. After about an hour I called again and was asked to leave my number and someone would call me back. After about 2 hours, I repeated an attempt to contact Nationalsmallloan and was given the same excuse. I repeated this for a total of 6 attempts. On XX/XX/2020, again I was asked to leave my number and someone would contact me, but no one every did. 

On Monday XX/XX/2020, I contacted a representative and expressed my disappointment regarding their failure to call me back and I stated, " You all are trying to continue to collect the XXXX bi-weekly payment. '' and the representative said, " yeah '' Thereafter, I contacted my financial institution and they instructed me to place a one year block on the ACH transaction. So I expect to hear from them soon because a payment is scheduled for XXXX, 2020.
Consumer complaint received 2020-12-24
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. (TX)

Experian, XXXX, and XXXX immediately cease all credit reporting on my report XXXX XXXX XXXX of collections with XXXX XXXX XXXX. This is a violation of FCRA. 
XXXX XXXX XXXX XXXX ( 2 ) XXXX {$600.00} and {$460.00} XXXX XXXX XXXX XXXX has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. 

Immediately cease reporting of false and inaccurate statements to credit bureaus XXXX XXXX, and Experian by XXXX XXXX XXXX.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (TX)

So I was driving and didnt stop and received a ticket and my car was towed. Fast forward went to court everything was dismissed. But during this who process my car was taking by the Loan company. I wasnt explain there was a clause in the contract for the to take the car if i was wreak less but I wasnt. So they took XXXX that was the down payment of the car hard me going back and forth with the Dealership and American Credit Acceptance. I was told by XXXX XXXX ID # XXXX and supervisor XXXX XXXX that a check on XX/XX/2023 and this XXXX  on XX/XX/2023 i was told by the company we sent it out and its my fault I didnt receive it and oh it looks like it was cashed and this was XXXX that it was received. I told the person on the call it need to be fixed I havent lived at that address in almost XXXX XXXX. So in short I feel like i was violated by the XXXX XXXX and American Credit Acceptance . 

As demonstrated in EXHIBIT A, [ XXXX XXXX ] is a creditor as defined in 15 U.S.Code 1602 ( g ). The agreement proves that this is a consumer credit transaction, as evidenced by the notice required by 16 C.F.R. 433.2, as indicated in EXHIBIT B.

The financing charge is the total cost of consumer credit expressed in dollars, as indicated in EXHIBIT C 12 C.F.R. 1026.18 H-1 Credit Sale Model Form. The term finance charge refers to the total of all charges, as defined by 15 U.S.Code 1605 ( a ). " The finance charge does not include cash comparables. 
In this contract, the " down payment '' is demonstrated in EXHIBIT D as cash down payment. This is a violation of 15 U.S.Code 1640 ( a ) for failing to comply with TILA. If the finance charge is the total of all charges in a dollar amount, there should be no need for a separate cash down payment. 
It is clear [ XXXX XXXX ] XXXX be held liable under criminal liability in the court of law in accordance with XXXX XXXX XXXX ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by Truth in Lending Act. To remedy this situation I am requesting I request an immediate return of the down payment of my vehicle ] I only want communication from this point to be in writing unless you are calling to settle this matter outside of CFPB. Please cease and desist any other communication other than writing to me in regards to this matter
Consumer complaint received 2020-12-24
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: WELLS FARGO & COMPANY (IL)

My daughter refinanced her Wells Fargo Student Loan ( on which I am a co-signer ) with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. XXXX was supposed to pay off Wells Fargo XX/XX/2020. My daughter XXXXs first pay to XXXX was scheduled for XX/XX/2020,. 

As of XX/XX/XXXX, XXXX paid off the loan to WF. However, WF already reported a 30-day deliquency on the account, which decreased my credit score by nearly 100 points. I requested a rapid credit rescoring of WF, and they have opened a dispute. 

I am in process of purchasing a home. I need an immediate rapid rescoring of my credit because I am not at fault for the error made by XXXX on my daughter 's account. 

My case with Wells Fargo is XXXX. 
My daughter 's Request Number with XXXX is XXXX. 
My XXXX Reference Number is XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX, IL
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Timothy M. Sullivan (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : DEBT XXXX XXXX # XXXX I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.
Consumer complaint received 2022-12-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (AZ)

We were charged the annual 'membership fee ' but had torn up the XXXX XXXX XXXX XXXX and weren't using it. We also had paperless and had totally forgotten about the card. Per XXXX XXXX XXXX  / Barclays Bank they charged us the membership fee of {$99.00} in XXXX. We hadn't used the card for 4 months or more and had completely forgotten about any membership fee. I called them in XXXX and they reversed the charge so the balance was/is XXXX. However, they reported the account as delinquent to the credit report companies lowering my credit score from XXXX to XXXX. I called manager at Barclays and they refused to reverse the delinquency and said that I should have known it was going to be renewed because they emailed me. At no time did I receive an email stating that this was going to happen to my credit report. 
I would appreciate Barclays reversing it allowing my credit history to be correctly reflected.
Consumer complaint received 2022-12-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TN)

I disputed and requested validation with Calavry Portfolio Services LLC. I requested that they show proof that they are licensed to collect in my state ( Tennessee ), detailed billing history for the account, amount owed and how it was calculated, and the agreement because I am not aware of who they are. The first letter they sent stated i owed them or a debt had been sold to them. After i asked for validation they sent me nothing stating that they are able to collect in my state and a balance of XXXX with clumps of what seems to be nothing but paper and saying that it is valid. There was over XXXX pages that are either blank or has homedepot advertisements and nothing else on it. One page stating regulations for California, Colorado, Massachusetts, Minnesota, New York, Utah, and North Carolina. but nothing about if are you licensed to collect in Tennessee. I sent them another certified debt verification letter on XX/XX/XXXX to make sure i had proof that i had tried to communicate with them. I did get a response on XX/XX/XXXX for my first request and it had nothing i asked for. I will be waiting to see what the response is for the certified letter I sent them on XX/XX/XXXX Company Name : Cavalry Portfolio Services Address : XXXX XXXX XXXX XXXX, CT XXXX First letter they bought or sold things. I think it was XX/XX/XXXX. I sent a letter back asking them for validation. 

Date I received my first response was XX/XX/XXXX they said i owed XXXX. How did they come to that amount? how was that calculated? 

Sent over XXXX pages of fluff. - blank pages - homedepot advertisement - internet printed credit card agreements ( it looks like someone just printed a random agreement off the internet ) - and more blank pages I sent another debt verification to them on XX/XX/XXXX certified mail because i had no proof i sent them anything and did not want this to escalate. I am currently waiting on my response. Certified letter should reach them XX/XX/XXXX. I hope that they send me actual documents and not over XXXX pages of fluff. I would prefer this ends here and they remove it off my credit, not sale/buy anything that i did not give them permission in the first place to anyone else. I would prefer a letter in writing that this is done as soon as possible.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account was closed with no given reason and I still have not received my money from that account..my paycheck was direct deposited into my account the day before it was closed and a check has not been mailed to me .I have called many times still no reason given to why my account was closed or where my money is
Consumer complaint received 2020-12-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TN)

My name is XXXX XXXX XXXX my socials XXXX I don't have my account number in hand this is a school dead and other deads that I am supposed to pay out I have had a XXXX XXXX XXXX  and have had XXXX  XXXX XXXX I've had XXXX XXXX  of my XXXX XXXX XXXX and am currently on on mental XXXX I can not work I don't leave the house I can not make these payments on any of these loans so it is unjust for me to pay them back or do my credit score to be interrupted so I would like for this to be resolved and the bill want clean
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2020-12-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I have made several attempts to pay off my HELOC with OCWEN now PHH mortgage. Each time they have returned the payment without explanation. When I call to speak to a CSR they have to research just what is going on. On this last call they stated they never received the payoff yet I have confirmation of the wire transfer and according to the CSR, the account information was correct. I am tired to sending repeat payments to OCWN PHH mortgage and the extra expenses occurred on my end of doing such. I have now sent the 3rd payoff per the CSR in the hope it is excepted. I would think that PHH would reach out and call me to correct this situation. Just seems like a bunch of nonsense to me and an attempt of PHH to foreclose on a loan that took me 15 years to pay off to its final payment just to have PHH play a game with the consumer.
Consumer complaint received 2023-06-07
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights .

They are reporting a lot of inaccuracies and I am fed up! BY LAW this is wrong.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (DE)

The first problem was with interest rate it was very high 20.36 %, even though my credit score was good. I called the Santander Bank to lower my interest rate they denied my request they have said that I can do that after 6 months to refinance. However I still want to know why the interest rate is high compared with other banks. 
The second problem was with the dealer that I bought the car from. The price online was {$19000.00}. However they added extra charges under the term certified pre-owned that was a fraud. They added {$2000.00} without mentioning this amount in the agreement and another {$2800.00} for XXXX XXXX contract as obligation not as option because they have told me verbally and convinced me it has bumper to bumper coverage and that was the cause for that addition. The price has jumped to {$24000.00}. Note they did not give me the documents by hand instead they gave it to me through flash disk and I believe the purpose for that was to delay my review because I have only two days to return the car. When I finished the purchase and reviewed the documents and checked with the FPO they informed me that there was only powertrain coverage. I tried to cancel the purchase after three days but the dealer and the bank denied my request. I told the bank about the entire story to take care of this fraud charges ( recording ID XXXX ) with XXXX.