davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (GA)

As per guidance from the consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I opened a personal checking account with chase bank in the month of XXXX and deposited XXXX dollars in it. on XXXX XXXX I received a letter stating my account was closed and funds will be mailed back to me. I called and they told me that my account was closed for no reason at all and without a valid response. JPM Chase stated that they reserve the right to close my account with providing a proper response, which a form of discrimination. Once I completed my conversation they gave me a ref # of XXXX.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2024-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (IL)

Have changed the interest rate without my knowledge, have not sent detailed billing statements, and have altogether stopped sending monthly statements as of XXXX. Theres no way to check what the interest rate is on the loan, and even though I had no other options and signed for an XXXX XXXX XXXXXXXX, Ive had payments where XXXX % is what is actually being charged.
Consumer complaint received 2017-11-21
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. (TN)

The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late XXXX Closed
Consumer complaint received 2017-12-05
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. (AZ)

I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXXi. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX* Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, XXXX  and TransUnion and they have done nothing.
Consumer complaint received 2023-10-09
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. (TX)

I hope this letter finds you in good health. I am writing to express my deep frustration and disappointment regarding the numerous attempts I have made to rectify and remove a charge-off account from my credit report, which has been negatively affecting my financial standing for an extended period. 

The charge-off account in question, associated with XXXX  XXXX XXXX XXXX, has caused significant distress and inconvenience. Despite my repeated efforts to address this matter with your company, it remains unresolved. I have contacted your customer service department on multiple occasions, and have provided all requested documentation and information to support my case. 

It is essential to highlight that my attempts to remove the charge-off account have been driven by a sincere desire to rectify any legitimate discrepancies and fulfill my financial responsibilities. I have acted in good faith throughout this process and have cooperated fully with your company 's requests for information. 

I am formally requesting the following actions to be taken urgently : An immediate investigation into the charge-off account to determine its accuracy and validity. 
If the charge-off account is found to be inaccurate or unjustified, its removal from my credit report. 
A written confirmation of the resolution, including the date when the charge-off account was removed. 
An apology for the extended delay and the negative impact on my financial situation and creditworthiness. 
I understand that maintaining accurate credit reports is essential for both creditors and consumers, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

Failure to address this issue within the exact timeframe from the date of this letter may leave me with no alternative but to seek legal remedies or involve relevant regulatory authorities to resolve this matter. I am asking for your immediate assistance to remove this charge off account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My account has been locked and Capital one emailed and texted me to call their fraud department. When I call to find out why, they tell me in order to unlock the account that they need to verify my ID. However they can't use my cell number which is on file with them. I try to use their system to upload a copy of my drivers license and their system rejects it. When I ask to speak to a supervisor, they tell me there are no supervisors on duty and to call back later. When I aske them to call me back they say they can't call me, I have to call them. 

However the are willing to close my account if I want, without verifying my ID. This makes no sense at all.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC (NC)

My name is XXXX XXXX I've been fighting id theft for years I do not own a credit card I filed a dispute but was told account is valid I do not live in XXXX XXXX I live in XXXX XXXX and XXXX before that
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$5200.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 

I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Made contact with company to get a copy of contract. Which came up on my credit report. To find out we're this came from They denied me a copy told me that I need to pay a debt that I believe I do not owe. 
I explained that I need verification because I believe someone used my information. Again I was denied they didn't want to hear anything I had to say.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

To Whom It May Concern, I recently received the outcome of my disputes multiple times ( XXXX, XXXX, and XXXX ) and keeps coming back verified with new evidence submitted. I found that they are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF XXXX XXXX I have enclosed a paid off letter as a proof. 

XXXX XXXX XXXX XXXX XXXX Date Opened XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX  Compliance reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standard of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate. compliant, and verifiable. 

Thank you for your time and help at this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-09
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}.
Consumer complaint received 2019-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (NJ)

Hello, I mailed my first mortgage check to XXXX on XX/XX/XXXX for {$1800.00}. XXXX XXXX  received it and signed for it on XX/XX/XXXX. No payments were applied we started receiving calls regarding missing payments. I called the escalation team due to agents were confused. Manager stated they did not receive check if i may send them proof of check and proof that it was delivered to correct address and signed for. I faxed over all information needed to resolve this issue as soon as possible. Manager stated he will call me back. No call received i followed up, they have not yet found my check. Manager stated please give them more time, i have been very patient with this company regarding the check they have lost. I followed up again due to no call was made, escalation manager stated they found check but was unsure as of why cash management team has not applied funds to my loan. Was asked again to provide more time manager emailed cash management department inquiring my check. Two weeks past i have been following up due to now im receiving calls and mail that my payment is past due etc. I speak to manager again they stated cash management has yet to respond to his email and he apologize for bad experience we are having and miscommunication since day one. He stated he was going on vacation and will follow up with me once hes back. He returns i receive no call i have to call again, he stated he has to involve his supervisor since he has not heard anything back from cash management, at this point its already XX/XX/2019 and my check is still not found and no solutions at all. Manager called me stating that he has heard back from team and they don't know where my check is that check did not have loan number so someone had to send it back XX/XX/XXXX and never did. My main concern is where is my check this is a huge inconvenience. This is the worst first home experience i have ever received. XXXX XXXX  now wants me to attempt to place stop payment with my financial institution due to they lost the check .Which will not benefit me my accounts is still past due for a check they have lost and bank will not return funds for 90 days. Please help me resolve this and that this does not happen to anyone else.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC (AR)

ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH XXXX XXXX-XXXX  VIA CREDCO. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX/CREDCO SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (FL)

Court proceedings were filed against me on XX/XX/XXXX by Midland Funding LLC for a debt that was originally charged off by XXXX XXXX XXXX XXXX and sold to Midland afterwards.
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (IL)

Experian is reporting a fraudulent collection account on my credit report that does not belong to me. The following account is result of fraud : XXXX XXXX XXXX XXXX {$660.00} I reached out to XXXX collection agency who has completed their investigation and determined this account is fraudulent. They stated it can take up to 45 days to remove the account from my credit report.This is too long to have a fraudulent account reporting that is affecting my score drastically. Pursuant to section 605B of the FCRA, this fraudulent account should be removed within 4 days of receipt of notice.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (MO)

In XX/XX/XXXX I received a notification from my credit monitoring service that collections were placed on my credit history. 

There were no indications that a collection was occuring. i.e. no payment due notices, no late payment notices, etc. No contact whatsoever was given to me. 

After researching, I discovered that it was a debt collection from XXXX XXXX XXXX, part of XXXX, from an apparent visit in XXXX XX/XX/XXXX. Total claimed was around {$3800.00}. 

I contacted XXXX immediately upon discovering this error, and disputed the debt with the credit reporting agencies. XXXX simply stated that they had my SSN and signature and therefore it was my debt. They did not even attempt to research the issue. Also, my dispute was deemed to be incorrect by the reporting agencies as they believed that it was my debt, it is not. 

They also stated that it was a medicaid claim. From XXXX ( after moving from Colorado ) to XXXX I was on XXXX insurance. 

I contacted a lawyer in XXXX and he sent out letters to XXXX and to the reporting agencies. The letters received no responses. 

Of note, in XX/XX/XXXX/XX/XX/XXXX timeframe I did visit XXXX XXXX for a XXXX issue. At the time I was on XXXX. As stated, starting XX/XX/XXXX to XX/XX/XXXX I was on XXXX. There is absolutely no way that this was my hospital visit, and thus not my bill.