davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc. (OH)

This debt was not discharged in Bankruptcy. However, has passed the statue of limitations. 

In XXXX or XXXX I took out two credit cards. XXXX XXXX credit card and a XXXX XXXX Credit Card ( I believe the bank was XXXX  but unsure ) In XXXX I stopped paying on these two credit cards and haven't touched the accounts since. 

In XXXX Central Portfolio took over both of these accounts and posted them to my credit report XXXX balance {XXXX} XXXX balance {XXXX} I have not touched either of these accounts in over 6 years. However on the credit report it is showing as a new debt. It is also showing that the original creditor was XXXX XXXX XXXX I. This is not true. The original creditor was XXXX XXXX and XXXX
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially XXXX  me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Consumer complaint received 2021-02-18
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: Experian Information Solutions Inc. (GA)

I am resending this dispute as Experian marked my previous dispute as there is an unauthorized third party. THERE IS NO UNAUTHORIZED THIRD PARTY. I AM SUBMITTING THIS DISPUTE MYSELF. YOUR COMPANY JUST DOES NOT WANT TO DEAL WITH THIS ISSUE. HANDLE THE COMPLAINT. AGAIN, THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED. Is my complaint well stated and shows that I am knowledgeable? Do I have well documented disputes and supporting documentation? YES. I am the owner of a legally run XXXX XXXX XXXX so I know the laws and processes. I know how to write an effective dispute and complaint letter. I know the importance of keeping my documents. Again, there is no unauthorized third party. I have attached my driver license and social security card for identification purposes. Process the complaint ... 
I have disputed the account with XXXX XXXX probably four times due to inaccurate information being reported. The company continues to verify the information as accurate. My most recent disputes pointed out that the balance is inaccurate. The company continues to randomly change the balance. The balance is now reporting as {$810.00} with Experian and {$800.00} with XXXX, but that could change at any moment. The original charge off balance was {$680.00}, which I pointed out in my dispute letter. There is no added interest to this account. I have attached a document directly from the company sent to me on XX/XX/2021 that shows the balance as {$680.00}. Please look at the document. At the same time, the company continues to report a higher balance to the credit bureaus. This is not right and is against the Fair Credit Reporting Act. Experian can not allow companies to report inaccurate information after a consumer disputes the information and provides proof. This is my second documentation to Experian about the balance. The information has not been corrected and the account is still reporting inaccurately on my credit report. Experian claims that they did not receive my most recent dispute in XX/XX/2021, but this is not true. I sent a letter on XX/XX/2021 via USPS certified mail that was received at Experian on XX/XX/2021. See the attached Certified mail receipt. I am filing a separate complaint about this, but I wanted to include the mail receipt because I sent documentation with this dispute letter proving the balance for this account is reporting inaccurately.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (CA)

My account has been frozen because voice id did not match. I uploaded the requested documents on XX/XX/XXXX and since then have reached out daily for resolution but to no avail. Everytime they say that they are trying to contact the back office but never reach out with a reply or reason as to why it's still frozen. 

Account is frozen since XX/XX/XXXX, checks failed to pass since XX/XX/XXXX, Submitted documents since XX/XX/XXXX reached out to multiple financial advisors and at least 10 times on phone. 

The institute is Morgan Stanley Private Bank.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (NJ)

I was contacted by a collecting agent by the name Capital Accounts on XX/XX/2021. Capital Accounts wants me to pay a debt of {$900.00} and the creditor is XXXX XXXX ( See attached copy of First Letter from Collecting Agent ). In response to my debt validation request, Capital Accounts sent me a medical bill put up by the physicians office ( See attached copy of Second Letter from Collecting Agent - WOB ). This medical bill is not a proof that I owe the debt and I have already disputed it with the physicians office before. Later, on XX/XX/2021, Capital Accounts sent me a letter telling me that they had sent a delinquent debt report to the three credit bureaus ( See attached copy of 4th Letter from Collecting Agent ). 
I have made it very clear to Capital Accounts that these medical charges are all wrong and I had already disputed them with the physician. Yet, Capital Accounts ignores all the facts and continues to conduct activities to damage my reputation by sending delinquent debt reports to the credit bureaus despite the fact that it did not or could not prove the debt it claims on me. This is a brutal attack on consumer rights. Please take all necessary actions to punish such outrageous behaviors.
Consumer complaint received 2019-04-03
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: CORELOGIC INC (NY)

I do not give any permeation to this company to check my credit reports and i never apply for anything with this company This company rum 6 times my credit on 1 month
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

XX/XX/XXXX  Re : Formal Complaint Against LVNV Funding LLC Dear Sir or Madam, I am submitting a formal complaint against LVNV Funding LLC due to their deceptive collection practices and violations of my rights under the FDCPA and FCRA. Last year, XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, contacted me regarding an alleged debt, which I immediately disputed via priority mail and email. However, they failed to respond or provide any evidence of the alleged debt. Despite their failure to validate the debt, I recently discovered that LVNV Funding LLC has persistently continued to report the invalidated collection on my credit, which is a direct violation of federal law. 

These actions constitute unlawful debt collection practices in violation of the FDCPA and the FCRA, and there is a history of complaints and lawsuits against these agencies for deceiving and abusing consumers like myself. I respectfully request that appropriate fines be imposed and the immediate removal of the invalidated collection from my credit reports. 

I have attached copies of my credit reports, the dispute letter, email, and USPS tracking proof to show that they received my dispute for your reference. Your assistance in safeguarding my rights under the law and preventing these individuals from causing further harm to consumers is greatly appreciated. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (KY)

This collection agency ERC just put a debt on my credit report this morning for XXXX. I have not had a sprint account in almost 10 years. Not to mention they never reached out to notify me of anything just threw it on my report. This is not a debt that I owe and I want it removed NOW!
Consumer complaint received 2019-04-03
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: CITIBANK, N.A. (NY)

I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX, my debit card information ( not the card itself ) was used fraudulently for 3 transactions against my checking account. Bank of America ( BOA ) notified me of the suspicious transactions, and I confirmed that I did not authorize/make any of them. 

BOA was able to outright deny one of the charges and then issued a temporary credit to my checking account for the other two. After some time, BOA credited my account for one of the two charges, but the other remained unpaid. After review, BOA determined that the 3rd transaction was valid and removed the funds from my account - {$600.00}. I called BOA and had them reopen the case for another review, since the charge was indeed fraudulent. In XXXX, BOA closed the case again, saying that the charge was valid. I called again to have them reopen the claim and sent in a copy of the police report that I filed back on the date the charges were made. 

The only reason I have been given for the denial is that my PIN was used for this transaction. ( I had my debit card in my possession and have never given out my PIN, so I am not sure how someone would get this information, except through a skimming device. ) The reason for denial is not make since, because the 2nd transaction ( a {$300.00} withdrawal from an ATM ) would have also required a PIN, and this was determined by BOA to be a fraudulent transaction. They have already refunded this amount to my account. 

It is important to note that both the {$600.00} and {$300.00} transactions took place only minutes apart from each other, in the same grocery store, in a town I don't live in - Just more proof that both transactions were fraudulent. 

I have made MANY calls to BOA to check on the status of this claim, since it opened in XX/XX/XXXX. Each time I call, I have to repeat my story from the beginning and am assured by the representative that they will assist me to resolve the situation, but as of XX/XX/XXXX, they have still not resolved the claim and refunded my account. This is a clear-cut case of fraud, but BOA seems to be waiting for me to give up the fight and appears to have no interest in looking at the actual circumstances of these charges, which obviously point to fraud. 

I would appreciate any help/advice you can offer in this situation. In the meantime, I will continue to check in often with BOA to see if any actual progress has been made. 

Thank you!
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXr XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (VA)

I went to XXXX XXXX XXXX XXXX XXXX for an X-ray. I never received a bill. I rec 'd an EOB from my insurance company in XXXX and it was reflected an amount owed of {$140.00} for the XXXX x-ray - account # XXXX 
I mailed a personal check # XXXX the first of XXXX and it was cashed by XXXX XXXX  on XXXX. However, I made a mistake and put the incorrect account number in the memo section - XXXX which regarded a bill from XXXX and was paid. Yes I made a mistake. 
I never received anything else until XXXX, XXXX ; from XXXX XXXX XXXX ; who is a debt collector on behalf of XXXX XXXX. I called them on XXXX and advised them I wanted to dispute the debt. I told them the debt was paid but I had made a mistake and put the incorrect account number ( XXXX ) on the memo portion of check. 
I rec 'd a further 'debt collection ' letter on XXXX stating they had investigated my dispute and found I owed the amount of {$140.00}!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

Form 1099-C is a tax form used in the United States to report cancellation of debt ( COD ) income to the Internal Revenue Service ( IRS ). Here 's an overview of what Form 1099-C entails : Purpose of Form 1099-C : Cancellation of Debt : When a creditor forgives or cancels a debt owed by a borrower, the amount of forgiven debt is generally considered taxable income to the borrower. 

Reporting to the IRS : Creditors are required to report canceled debt of {$600.00} or more to the IRS and provide the debtor with a copy of Form 1099-C. 

Information Included on Form 1099-C : Debtor Information : The form includes the name, address, and taxpayer identification number ( usually the Social Security number ) of the debtor. 

Creditor Information : It includes the name, address, and taxpayer identification number of the creditor. 

Amount of Debt Canceled : The form reports the amount of debt canceled or forgiven by the creditor. 

Date of Cancellation : The date on which the debt was canceled or forgiven is also reported. 

Identifying Information : Form 1099-C also contains various codes and identifiers used by the creditor and the IRS for tracking purposes. 

Tax Implications for Debtors : Taxable Income : The amount of canceled debt reported on Form 1099-C is generally treated as taxable income to the debtor, unless an exception applies. 

Exceptions : There are certain exceptions and exclusions that may apply, such as bankruptcy, insolvency, or qualified principal residence indebtedness. 

Reporting on Tax Return : Debtors must report the canceled debt amount on their federal income tax return and may need to file additional forms or schedules depending on their specific circumstances. 

Importance of Form 1099-C : Tax Compliance : Form 1099-C ensures that canceled debt is properly reported to the IRS for tax purposes XXXX helping to maintain tax compliance. 

Recordkeeping : Debtors should retain copies of Form 1099-C for their records and use them when preparing their tax returns. 

Tax Planning : Understanding the tax implications of canceled debt can help debtors plan their finances and taxes accordingly. 

In summary, Form 1099-C is a crucial document used to report canceled debt to the IRS and determine the tax consequences for debtors. It's important for both creditors and debtors to understand their obligations and rights related to canceled debt and to comply with IRS reporting requirements.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (GA)

I have had several issues with payments not being posted to the account or the charge being doubled. I put in writing and mailed it to cancel the card and agreed to make payment arrangements. Some how someone tried to reopen the account. This account needs to be closed.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

Received original notification that National credit systems wanted to collect on a debt that was not mine. The XXXX Apartments uses a third party company to collect for water, trash, sewer, cable and internet. I was then notified to pay on a bill that is not mine. I was not able to move in the apartment due to bed bugs. I have tried to resolve this issue with The XXXX, XXXX and XXXX XXXX Owners, National Credit Systems, XXXX XXXX, and all parties involved I have been working on this for a year. I have written to the manager of the collection agency, owners of all companies, and called multiple times.
Consumer complaint received 2019-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

At the end of my previous complaints, a USAA representative and I discussed my receiving an official letter explaining their investigative process and the actions taken to insure that this does not happen to anyone else. In a phone conversation with this representative I was assured that a letter would be sent to me for my records. I attempted to contact this representative, and had to leave a message. There has been no response of any kind since then. USAA has failed to uphold their part of the agreement. I want to know what action for breach of verbal contract can be taken by the government to protect other consumers from this lack of good faith on the part of USAA. This issue has not been resolved as per agreed to and needs to be reopened until USAA has fulfilled the stipulations of the agreement.
Consumer complaint received 2019-10-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've requested to have accounts investigated because they were inaccurately being reported. After disputing the items and requesting the method of verification, I was given a templated letter with no specifics. It appears that the company didn't conduct a reasonable investigation. 

Now I'm in the process of buying a home and the accounts are listed in dispute. Over the past couple of months, I've requested to have the accounts in dispute to have the dispute removed however the company refuses to do so.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I accepted a forbearance plan on mortgage during COVID. In XXXX, I agreed to a loan modification for the five payments that were missed. Despite being in forbearance longer, I made payments including two in XX/XX/2021 as part of the loan modification agreement. Citizens were slow to process the modification and incorrectly reported the mortgage delinquent despite have the agreement in place and months of payments held in " suspense ''. They admitted that this was done in error but refused to give me written documentation stating that I was not delinquent and said they would try to fix it in a few weeks. My current loan statement remains incorrect despite many calls to try and rectify. The government 's COVID assistance was a lifeline for many of us but Citizens Bank has turned that into a nightmare.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC (PA)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2019-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the Account ( XXXX XXXX XX/XX/XXXX ) with Transunion ( In Writing and Certified Mailed ) as Unverified / The account does not belong to me and I have no knowledge of this account. I requested verifiable proof of the original consumer contract with my signature on it that they have on file. I have not been provided any documents or verifiable proof of this account ( XXXX XXXX XX/XX/XXXX ) belongs to me. I have only been informed the account was verified. I request to know " Who Verified this account and I request verifiable Proof of the original consumer contract with my signature on it that Transunion has on file. '' Under the FCRA all unverified accounts must be removed ; if Transunion is unable to provide me a copy of verifiable proof if must be removed from my credit profile. This item remains on my report. Transunion has NOT provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ). I request the original consumer contract with my signature or remove this item from my credit profile.