davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account. 

I request that you provide immediate validation of this debt, including the following : 1. The total amount claimed as owed, including any interest, fees, and penalties.

2. The original contract or agreement that outlines the terms of the debt, including my signature.

3. A detailed explanation of how the debt amount was calculated.

4. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred.

5. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines. 

Until I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it.

Furthermore, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above.

Please be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I may suffer as a result of your actions.

I expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (PA)

My son and I were both seen in the emergency room at different times last summer and fall. The hospital did not take our copay of {$75.00} at the time of service. We received bills from the hospital and paid them in XXXX and XXXX of 2016. Those debts were paid directly to the hospital.
<P/>
We have been contacted by this agency repeatedly, and I have told them that the debts were already paid. On XXXX XXXX, I faxed them copies of the cancelled checks and referenced the account numbers related to the charges. A representative from the agency had informed me that the letters and phone calls would stop once they received that information. We then received an invoice, dated XXXX XXXX, asking for payment of this charge. I informed them prior to sending the XXXX XXXX fax that further communication from them after I sent the fax would result in my filing a complaint, but they sent the invoice anyway.
Consumer complaint received 2017-06-03
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. (MI)

XXXX    XXXX   is reporting late payments for  XXXX  and  XXXX   XXXX  on a credit card that was closed in  XXXX  and completely paid off  XXXX .
Consumer complaint received 2017-06-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: PRESTIGE FINANCIAL SERVICES INC (NV)

I bought the car from prestiage financial, I was negotiating with the Rep, to lower my monthly payment so I could afford to pay since the job I have they run out the project for a while and I do n't have any saving secure, instead of them did n't help me out but was charge me and posted to the credit agency, to help me get out from their company I was try to traded my car in but the negative balance and they do n't take it, and the car dealer was ran my credit over and over and make my score down because I try to get the loan to get a better interest from prestige. It 's very awful Iask XXXX XXXX to help me sell the car instead of they asking me XXXX ca n't do anything but they went to pick up the car without letting me know and they said they put it in the auction but the car balance still the same. This is unfair for me
Consumer complaint received 2017-06-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Endpoint Resolution Services (ERS) (FL)

They have called my work phone and have left messages on my VM when I had contacted them and advised them several times not to call my work place. The last call was  XX/XX/XXXX - called my work extension and left a message telling me they will come to my work place it home w papers. They call in via a blocked number but I am able to retrieve number. I called and advised them again on  XX/XX/XXXX , however, they refused to confirm they called and denied it telling me someone else has my file and refused to provide that information on who has my file.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX I requested a credit limit increase online with my XXXX credit card. After my online request I called the XXXX number and spoke to a representative. I asked why they needed to review my account and the limit increase would take 7-10 days, she informed me that she did n't know. I told her that if I was n't going to get an increase there was no point in keeping the card open. The representative asked me if I wanted her to close the account. I told her if I did n't get the increase then yes. She then told me again that she did n't have that information and asked if I wanted to wait to close the account until I got the letter in the mail and I said yes. She then restated, so you do n't want me to close the account, and I said no I am going to wait for the letter. On XX/XX/XXXX I got an alert from my credit monitoring company that told me the account was closed. I immediately called and spoke to a supervisor who told me that the rep I spoke to on XX/XX/XXXX closed my account and in her notes it said I requested the account to be closed. He stated that he could dispute it and that they would review the phone call to prove I did n't close the account and reopen it. I called back on XX/XX/XXXX to check the status of the dispute. I was told that they could not pull the call and reopen my card that the first supervisor was wrong and suggested I reapply. I informed them that I did n't want an inquiry on my credit report nor did I want to lose the 2 1/2 year history I had with my account. The supervisor told me oh well there 's nothing else he can do.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Consumer complaint received 2017-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (NJ)

Last evening at   XXXX   XXXX   Midlanding funding went into our   XXXX   XXXX   account and withdrew {$1800.00}  plus  &  XXXX  process fee with no warning, which is my  XXXX  pension that I live on. The bank said they won a court judgment against me for a previous credit card debt. This  3rd  party is not even the original creditor -- it was  XXXX   XXXX  or  XXXX   XXXX  I believe. I had lost my job as a   XXXX   XXXX   and went our on a   XXXX   %  XXXX . When the economy crashed in   XXXX   around the same time my husbands   XXXX    business crashes as well and we were in survical mode with  XXXX  children. and a sick  XXXX . They have left me with not enough to pay my bills!!!
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The Law Offices of Gregory Alexandrides, LLC (MD)

A lien was placed against my property by the XXXX after they received notice of a bankruptcy filing in XXXX, the amounts in which they have placed an illegal lien was covered in the bankruptcy. The company has refused to communicate or share account information upon request. In addition, I would call XXXX XXXX XXXX they would say, we can not assist you as your account is still with out Debt collectors office. I am refinancing my home and was told of a lien being filed in XXXX, I made multiple attempts to obtains he payoff from XXXXthrough XXXX/XXXX/XXXX until I overheard a conversation stating they were delaying the response to file another lien and to add more money on the pending lien in question. 
XXXX XXXX XXXX office assisted with getting the lien payoff letter and it went from {$630.00} to {$8300.00} from XXXX to XXXX with a per annum of 6 %. Mind you, I filed bankruptcy in XXXX XXXX, discharged XXXX and second discharge XXXX, the same debt collecting co Law offices of Gregory Alexandrides submitted a claim of XXXX to the bankruptcy courts for a lien from XXXX thru XXXX ( was not aware of this lien either ), but within the same allotted time of 3 years of this current lien XXXX through XXXX their is a {$5000.00} excessive fee of charges. Please note the ledger submitted has always been handwritten and very unprofessional which makes it easier to commingle funds and fraudulent activities to be altered. 
My issues is they created a debt by refusing to communicate or share details of the account, secondly, how can a lien of XXXX accumulate XXXX in fees and interest when no notices or information has ever been shared. 
I believe they ( Law Offices of Gregory Alexandrides ) are aware of their unlawful actions and practices and will take advantage of those who they feel do not have a voice or say-so in how things are being done.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo closed all of their accounts with XXXX XXXX. This left all customers with a negative line of credit and a reduction of credit score ( for me ) of XXXX points. This damage has, no doubt, cost XXXX people XXXX dollars in damage.
Consumer complaint received 2017-06-03
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. (MD)

I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX FiledXX/XX/XXXX Charge off Last UpdatedXX/XX/XXXX Experian - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XXXX Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Listed a New account name " XXXX XXXX ''XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment Reporting by XXXX XXXXXXXX To Whom It May Concern, I am writing to file a formal complaint againsXXXX XXXX XXXXXXXX regarding inaccurate information on my credit report. Specifically, XXXX XXXX has incorrectly reported my car payment as late. Despite my repeated attempts to have this error corrected, XXXX XXXX has refused to update my records to accurately reflect that all my payments have been made on time. 
Late payment reported for Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX - XXXX XXXX- XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Actual Payment Status : - All payments made on time Consumer Laws Applicable Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies on my credit report. The relevant sections include : - XXXX*15 U.S.C. 1681i ( a ) : ** Requires credit reporting agencies to reinvestigate disputes. - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Obligates furnishers of information ( such as XXXX XXXX ) to provide accurate information. - **15 U.S.C. 1681s-2 ( b ) : ** Mandates furnishers to investigate and correct inaccurate information when notified by a credit reporting agency. 
Previous Legal Actions Against XXXX XXXXXXXX It has come to my attention that there have been similar legal actions taken against XXXX XXXXXXXX for the same issue. Notably : - **Case : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX ** : This lawsuit addressed similar issues of incorrect reporting and failure to correct inaccuracies.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX and XXXX immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-03
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. (SC)

There has been several disputes submitted online and written to have inquiries removed, resulting in nothing being removed and Transunion stating they have been verified. i would like to be provided with the proof of verification as I do not recall authorizing these hard inquiries on my credit report. Under the Fair Credit Reporting Act, noone can request my credit reports without my permission. I would like to be shown proof that I in fact authorized these inquiries, or please remove from my credit files.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

US Bank bought our home loan from XXXX in 2014. We fell behind in our mortgage and they were relentless in pursuing back payments with harassing calls late at night, and intimidation. They keep raising late fees. 
We are trying to refinance our mortgage and they have delayed sending a payoff amount to our title company, XXXX, FL XXXX FAX XXXX ATTN : XXXX XXXX # XXXX ( XXXX ) I believe they are dragging their feet on releasing a payoff because they will lose money because they bought the loan. 
Today I called and spoke to them about this. The girl, XXXX, ( Spelling may be wrong ) insisted I pay {$20.00} for them to supply the payoff. I argued this saying they could not do it. She kept insisting it was for the authorization to send the payoff amount, not for supplying the payoff amount. I asked her if that was policy when banks and title companies fax in a request but she changed the subject. She may have added the amount to our payoff, but I am not sure. She later said she faxed it as we were speaking. 
After calling the title company an hour later, I was informed they had not received it. I called US Bank back only to to be told it would take up to 24 hours and that the fax # they were sending it to was completely wrong. I believe in my heart this is all intentional. 
On top of this, their customer service is anything but that. They are the rudest and most belligerent people to try to reason with. 
So, my main concern is trying to get the payoff so we can close on our loan and move forward. This has been going on for way too long. 
Also, can you do anything about the ever changing late fees and the harassing phone calls we received?
Consumer complaint received 2017-06-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (DE)

On or about XXXX XXXX, 2006 I was with the intention of purchasing a home, however the Trustee and the law firm is in conspiracy to defraud me of my land. XXXX XXXX, Wells Fargo /dba America 's Servicing Company , LLC . The law firm XXXX XXXX XXXX XXXX and its attorney 's are in violation of the following : 1. Secured Transaction, which makes it enforceable.
2. National Banking Act.
3. RESPA 4. TILA They are also culpability for a crime that was committed. Additionally, they are in violation of the National Banking Act.
Evid XXXX XXXX XXXX.
ATTN : XXXX XXXX XXXX /dba C.E.O.
c/o XXXX XXXX XXXX  XXXX, OH XXXX Wells Fargo Bank N.A.
ATTN : XXXX XXXX XXXX  d/b/a C.E.O.
XXXX XXXX XXXX, XXXX XXXX, California XXXX