davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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: Experian Information Solutions Inc. (AR)

Submitted multiple disputes through Experian with no change on the inaccurate account negatively impacting my credit. The account should be deleted. Also have court documentation this is an ex spouse responsibility and that I as the petitioner that Petitioner shall be held harmless on all of the debts set aside to Respondent in the original Judgment.
Consumer complaint received 2022-07-19
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXXXXXX 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 XXXXXXXX, DEPT OF EDUCATION/XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # 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 an account without my written instructions.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 my mother and I were scammed for most of our money. The scam artists convinced we were both kidnapped. After transferring money to them through XXXX XXXX and XXXX XXXX, my family was worried about me and called the police. They tracked me and the police found me talking to the scammer. They said that my mom was fine and relieved I finally hung up. I called XXXX XXXX and XXXX about this incident. As the fraud department at a chase was closed, I called them on Monday to report a claim. Chase said they will call me for more information and never did. I called on Wednesday to check the status and they said they denied it was fraud because I physically sent the money. I could not believe it. After going through that psychological traumatic experience, Chase did not even further investigate this claim. I wish something could be done about this.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023 I noticed my bank account was compromised for XXXX and change. I called the bank. I was transferred to XXXX XXXX department. I was told I was speaking to a person named XXXX XXXX who told me I was a thief ) Then he transferred me to someone who he said was a supervisor named XXXX. ( Who later hung up in my face ) I'm on XXXX XXXX. I told them about a claim I opened up with XXXX XXXX  company that charged my card XXXX. XXXX apologize and refunded my money on XX/XX/XXXX. Wells Fargo told me I stole ( those were XXXX and XXXX XXXX exact words ) XXXX. I said NO WAY. look at my documents. But long story short. Wells Fargo put my Bank account in a negative of over XXXX. Now my XXXX money will be taken from me on XX/XX/2023. And it's jeopardizing me paying my rent. PLEASE HELP ME!! PLEASE!!! I never received or spent XXXX from them. I spent my XXXX from XXXX Because it was my refund
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (TX)

Hello, Memorandum For Record : Settled Charge off Account without an issuance of a 1099C. Requesting a 1099C on the account listed below. 

This is a follow-up to the letter I received about the charge-off account ( XXXX ) That I never received a 1099C. If this account is not indeed charged off please provide the detailed information to settle this account and so I can notify the IRS this account balance will not be counted as income due to it not being charged off filed on your companys 2015 tax return. 

1. Per the CRA and attached documents Account XXXX was settled and {$13000.00} was written off. This account was changed from a receivable to a lost in Santanders accounting books. Santander has to report this lost to the IRS to receive a Tax Credit. 

The definition of a Charge off is : " The creditor ( Santander Consumer USA ) changes the account from a receivable account to a lost in SANTANDERS accounting books. This lost has to reported to the IRS in SANTANDERS corporate Tax return to receive a Tax credit for the lost. 

The IRS Definition of an 1099C is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure. 

There is a Reference Guides used that describe the detail of the 1099c : A. ( Bankruptcy ) B. ( Other Judicial Debt RelieD C ( Statute of Limitation or Expiration of Deficiency ) D. 
( Foreclosure Election ) | ( Debt Relief Erom Probate or Similar Proceeding ) E. ( Bv Agreement ) G. ( Decision or Polisy to discontinue Collection ) This triggered an issuing a 1099C to the IRS and to the Debtor ( XXXX XXXX ). 

I have not received a 1099c to apply to my Income Tax as XXXXncome. I have not received a 1098c to apply to my income tax as income. I also verified with the IRS if I have any 1099c that was issued to ( XXXX XXXX ). XXXX XXXX informed me that I have no 1099 that have been reported to the IRS.

I have not received a 1099C from Santander that bring into question why have I not received a 1099c on this charge off account? 
Please have 1099c form uploaded or a complaint will be filed with the IRS to have your companys 2015 tax return audited. 

Please have 1099c form uploaded here. Do not mail it!!!
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (VT)

I have never been so frustrated in my life with any lender. It is impossible to get help! no one ever answers the phone at XXXX. I have spent many hours, stuck in an endless loop of automated answers which repeat obvious information such as balances ( available online ). I have attempted the online chat session many times, it always comes back " no one is available at this time. '' I need to talk to a person!!!!!!!!!!!!!!!!! what sort of lack of support is this.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

Auto Loan Issue with Southeast Toyota Financial / World Omnicorp Financial - Lender is illegally charging {$75.00} prepayment penalty fees on a 63 month loan. 

Summary of issue : The lender charged me a {$75.00} prepayment fee for paying off my auto loan within 6 months. My auto loan term was for 63 months, and these prepayment penalty fees are illegal under federal law for auto loans 61 months or more as per XXXX and other sources. 

On XXXX, I inquired about the {$75.00} " XXXX XXXX XXXX '' in online ticket # XXXX. The lender responded XXXX, stating that " since the contract was paid in full within XXXX months after the date you signed it, we impose an acquisition charge of {$75.00}, for services performed on your behalf for processing this contract. '' I pushed back on this, and the lender responded in Ticket # XXXX : " Your Contract does not include a prepayment penalty, but it does include an acquisition charge, which is disclosed in your Contract, page three, section XXXX which states, You may prepay all or part of your Principal Balance at any time. If the contract is paid in full within six months after the date you sign it, we may impose an acquisition charge, not exceeding {$75.00}, for services performed on your behalf for processing this contract. If you prepay, you must pay the earned and unpaid part of the XXXX XXXX and all other amounts due up to the date of your payment. They noted the {$75.00} acquisition charge is authorized under XXXX XXXX. XXXX ( c ) : " ... the lender may impose an acquisition charge, not to exceed {$75.00}. XXXX, for services performed on behalf of the borrower for processing the retail installment contract if the contract is paid in full within 6 months after the effective date of the contract. '' However, as this {$75.00} is only being charged to individuals who prepay their loan within 6 months, it is a prepayment penalty fee, regardless of how they name it, and because it was a 63 month loan, it should never have been charged in the first place. 

I've have asked the lender to refund the {$75.00} fee, as my loan term was again 63 months, but they have not done so.
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

XXXX XXXX located in XXXX XXXX, California sent me a bill for {$2700.00} in connection XXXX which has been deemed XXXX necessary for pregnant women over XXXX years of age XXXX XXXX ). I spent a great deal of time discussing with my insurance company to understand why it was n't covered and with my doctor 's office -- XXXX saying the invoice should not be that high. XXXX then sent my debt to Credit Collection Services in XXXX MA to be collected -- for the full amount of {$2700.00}. I called XXXX, and after explaining my insurance does n't cover it and my doctor 's office believes it should be much less, the XXXX rep said, " Oh, well, we do apply a 'client assistance discount, ' so the actual amount should be {$140.00}. '' A friend of mine was pregnant last year, and she had the same experience. Looking at the internet, people are reporting this practice everywhere -- sending an high invoice and then sending to collections quickly thereafter to try to collect the entire amount. XXXX is sending people to collections with inflated invoice numbers. I followed through enough to figure out that I should n't be paying this amount, but other consumers should be protected from this practice.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted XXXX with whom I pay my car note through, I have contacted XXXX XXXXXXXX in reference to 2 credit cards, and I have contacted XXXXXXXX XXXX for my 3rd credit cards and all 3 creditors have advised me that information was sent over to all 3 credit bureaus to update my file to reflect what should be current. I reached out to Transunion about this and initially the representative stated he would file a dispute because they haven't received anything. I told him I didn't need a dispute and that it sounded like a glitch on their end with updating my file. There is no way 3 creditors would tell me the same thing and when I go check my XXXX and XXXX report it is showing updated for my 3 credit cards and my car note for what I have paid most recently. Then the representative stated he would place a comment on my credit file and I told the representative I am not giving anyone permission to place a note on my credit report when all Transunion needs to do is find out why they haven't updated my credit report to reflect what is accurate. It was after the fact I told the representative that I was filing a complaint that he stated they would look into the situation further. Please require Transunion to investigate what their issue is.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Attempted to issue a cashier 's check for a home closing on XX/XX/2021, but was unable to via mobile app or web. Also attempted a wire transfer. In both cases, was unable to - only receiving the message " we hit a snag ''. Called customer service line and was told they would investigate but no timeline was available for resolution. Called back on XX/XX/2021, to follow up - given the urgency - and was told the same and offered no alternative to execute the transaction. At this point, I'm unable to move forward and my home closing is in jeopardy.
Consumer complaint received 2022-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The three bureaus are in the wrong for deleting fraudulent information off my report and then put it back on there. That is not right. Items were deleted back in XXXX and resubmitted in XXXX. Pursuant to FCRA 605B they have 4 days to block fraudulent items from my report. I was in the middle of starting the process of buying a home and now I have to wait because they put fraudulent information back on my credit report. I have tried calling to get answers and I am getting no where with that. I need these items items deleted immediately. Please help me solve this problem.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (CO)

I reached out to healthcare finance direct ( HFD ) by phone to ask them about their plan regarding a providers bankruptcy and they could give me no information and advised that if I didnt keep paying them they would send me to collections and taunted me saying that my credit would be harmed. I then sent HFD an email on XXXX about the statement posted on XXXXXXXX ( XXXX ) website after they filed for bankruptcy stating I'm on the XXXX XXXX. Do I need to keep paying for my XXXX 
If you haven't received your full treatment then you do not need to continue with your monthly payments. HFD is the service provider for your XXXX payment plan. 
For questions regarding your financial obligations please contact HFD at XXXX XXXX, XXXX or visit their website at XXXX I then reached out again to HFD on XX/XX/2024 stating that I was in the middle of my treatment plan when XXXX filed for bankruptcy, I was never able to talk to a XXXX  team about my progress, let alone the issues I had with my XXXX, nor was I able to order XXXX so my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am aware that the creditor on the loan is soon expected to launch a customer support plan for. In the interim, ( per XXXX ) HFD is obligated to place my disputed account on hold until the customer support plan is approved by the creditor and the attorney generalthis has not been done nor have I received a reply back. I also reached out to XXXX on XX/XX/2024 stating the same thing and have no gotten a response.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. ()

With reference to my multiple complaints raised to get back my money which is currently with chase and last complaint # XXXX which is closed without resolution and sending my money by chase, Please reopen the request and request you not to close until I receive my checks at shared address. The required documents were already shared with chase with notary and every-time chase just asks for documentation from me but have not resolved my issue by giving back my money since XX/XX/2019. The amount of {$6500.00} and {$900.00} which is my money with chase bank. Documents are attached in this complaint since I am tired of this repeating process.
Consumer complaint received 2022-07-19
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these names and addresses have been used, which could have been due a data breach. 

My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, GA XXXX Any other addresses must be deleted. I have not lived at any other address listed on my credit reports. 

There should be NO OTHER alias names or mispelling of my names. 

There should be NO employment. 

I have provided 1-Valid social security card and 1 Current address.
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ).

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below 1. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX A Account Number : XXXX
Consumer complaint received 2021-04-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$11000.00}, {$8600.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XX/XX/XXXXA with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. 

2. XX/XX/XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$10000.00} -This is not my account. 

3. XX/XX/XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$8600.00} -This is not my account. 

4. XX/XX/XXXXA with ACCT # XXXX opened on XX/XX/2020 with a balance of {$24000.00} -This is not my account.
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.