vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
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!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally requesting the removal of this inaccurate late payment from my account. My track record shows a consistent history of on-time payments, and it is unjust for me to face penalties for an error beyond my control. I kindly ask for an expedited update to my account to reflect the accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was asked to do a credit check by an apt and they sent me a link to transunion to do a 7 day trial and was told i could cancel it after, well there is no option to cancel online and Ive tried to cancel through chat multiple times with no success, they keep telling me to follow these steps, but the steps dont lead anywhere, this has been going on since XX/XX/XXXX and they just keep billing me and refusing to cancel my acct when i ask, they give me some XXXX 10 steps to follow to cancel but none of that works and doesnt even show up past step 2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Upon reviewing the report, I discovered inaccuracies related to my Capital One credit card account. The inaccuracies are as follows : 1. Incorrect Last Payment History : The report states inaccurate last payment date and last reported date with XXXX, XXXX, XXXX which is incorrect. 
2. Incorrect Balance : The balance owed reflected on the report with XXXX, XXXX and XXXX as a balance owed. However, It inaccurately appears despite the balance being a debt transferred or sold. 

I would like to emphasize the importance of accurate credit reporting, as it directly impacts my financial reputation and eligibility for various financial services. The discrepancies in the report are not only misleading but also detrimental to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX reported unauthorized transactions on my account from XXXX in total amount of XXXX, XXXX transaction total. I stated that all transaction coming IN and going OUT of my US BANK ACCOUNT from XXXX is fraud and I never once done any transaction with XXXX. 

On XX/XX/2024 USBANK sent me a letter stating that the merchet ( XXXX ) have already credit my account for this and Us Bank is taking back their credit that was credit into my bank Account. US BANK finding was that on XX/XX/2024, there was a few incoming deposit, not refund from the original transactions, from XXXX into my account that was transfer in. This money that was transfer in is not my and I reported to US BANK the same day I reported the unauthorized transaction that this is not my money. This is two separate transaction and it's not related to any credit from the merchet. This money that was transfer in could been someone else that have their account/money stolen. I need the original transaction to be refunded as I have never authorize XXXX to send in any money or transfer any money out of my US BANK account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : ONEMAIN Account Number : XXXX PORTFOLIO Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX. XXXX Account Number : XXXX. XXXX Account Number : XXXX. XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
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: ZIONS BANCORPORATION
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX in XXXX of 2021. Wife XXXX XXXX XXXX was co-owner of the account but inactive. The account had {$3500.00} and it was reduced to a small balance but we were unaware that monthly fees would be charged as the balance was reduced below a certain level. As the account was inactive and we were conducting no business with XXXX XXXX  we were unaware that they first took the entire balance in fees then created a negative balance, and continued to add additional fees, charge interest and report delinquency. As we became aware through a telephone call from their collection department we did pay off the balance but desire the negative reporting removed or amended to indicate their billing and activity caused the concern, not actions on our part. In a perfect world they would refund the {$80.00} original balance as well as {$55.00} in additional fees and interest that we have paid to satisfy and close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to do an " instant deposit '' for {$2600.00} from my Chase bank account to my XXXX account. The whole process was supposed to take no longer than 30 minutes to complete. Once I noticed the transaction was never completed, I reached out to XXXX and they informed me the transaction had expired. They suggested I reach out to my bank to notify them of the pending issue. After Calling Chase, they informed me that the transaction was still pending and to call back when the transaction was completed. The transfer for {$2600.00} was completed by chase on XX/XX/XXXX. Unfortunately, XXXX never received that transfer. I contacted chase to file a claim. the process started on XX/XX/XXXX. The bank asked me to allow 10 business days for the issue to be resolved. On XX/XX/XXXX I accessed my chase bank account and found two additional charges for {$2600.00} each from XXXX. I contacted chase to assist me with the new charges. Chase stated there was a glitch in their system and granted me a temporary reversal of {$5200.00} while they work on resolving that issue. 

As of XX/XX/XXXX the instant deposit for {$2600.00} has yet to be released to my Chase account or my XXXX account. Chase denied the claim and insisted it was a completed transaction that would need to be resolved with XXXX. After speaking to representatives at XXXX, they insist the transaction expired after XXXX minutes on XX/XX/XXXX. 

I have worked diligently with chase and XXXX to have this matter resolved. Neither company has been able to assist me and the money has yet to reach either account. 

The next steps are unclear because neither company has given me a resolution. If someone could please assist me with this matter, it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to follow up on my ongoing complaint regarding an entry on my credit report that I believe is inaccurate and misleading. Despite previous correspondence and efforts to rectify this matter, I am disappointed to find that the discrepancy persists across all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
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.
State: TX

Complaint narrative:
The date on XXXX XXXX XXXX is not accurate please fix or delete this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : PORTFOLIO RECOVERY ASSOCIATES Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Notice for Validation of Debts Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX, XXXX ( All Rights reserved )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i am a victim of identity theft and i sent in my FTC report along with all the information concerning 15 usc 1681 to all CRAs on XXXX for it to be deleted within XXXX business days. I am requesting that they delete the information from my credit report because its not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry XXXX XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
I responded to an alleged debt account letter dated XX/XX/XXXX I mention that I had no knowledge of the alleged debt and if I can get an original copy. They send me a copy of a renewed judgment that was filed XX/XX/XXXX that I wasnt made aware of. They claim that this alleged debt was open back on XXXX. Assuming this was mine which I have no knowledge of, does the statute of limitations expire?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief