davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (SD)

In  XXXX  of   XXXX   we found out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made 2 payments to  XXXX  at this time.  XXXX  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the major  Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /  XXXX   making  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't askin g for anything other than help with Credit Reporting Companies.
Consumer complaint received 2024-10-28
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: DISCOVER BANK (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-08-22
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. (TX)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-10-26
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: DISCOVER BANK (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : DISCOVERBANK, NUMBER : XXXX XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Consumer complaint received 2024-08-22
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. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which 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 ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
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. (AL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I sent this to LVNV Funding LLC to Resurgent Capital Services L.P. : VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?


PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation. Also Sent this... In accordance with the fair credit reporting act this creditor has violated my rights under15USC 1681section 602 I have the right to privacy also refer to 15USC 1681section 604a section2 and 15USCS 1666b This was all done WITHOUT my consent wich is considered Fruad.. it has also been charged off and I never Received a 1099c this whole claim is Fraudulent
Consumer complaint received 2017-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

XXXX   XXXX ,  2017 I am su bmitting this updated request because you are able to help us in so many ways. Although, there are some big companies who are not cooperative and would not help, the way you do but at least you are able to let them act partly on our complaint and grievance.   The last complaint I filed is about our private student loan with National Collegiate Trust, being serviced by  American Education Services.  My request was for National Collegiate Trust to lower our monthly payment because we have overpaid, National Collegiate Trust for so many months and years. By  XXXX   XXXX , 2017, they are expecting a payment of {$300.00} plus. I was paying them for {$150.00} dollars w hich American Education Services have accepted for more than 5 years up to this date.  The reason wh y, National College Trust  was overpaid, is becau se American Education Services did  not record our payment to each individual private loan. So, the  XXXX   XXXX   XXXX  ) of the private student loan from   XXXX   XXXX    XXXX ,   XXXX   XXXX   ,  and another student loan fro m National Collegiate Trus t /  XXXX    XXXX   XXXX    Collection agency  went on default.   All our payment went to this private student loan, disbursed on  XXXX / XXXX / XXXX , this is loan where all our payments was recorded and remitted to National Collegiate Trust. And this student loan of  XXXX / XXXX / XXXX , is also owned by N  ational Collegiate Trust.
We are appeased by American Education Services of the payment of {$300.00} for the time being, by    giving us  XXXX  forbearance monthly payment for  three ( 3 ) months of  {$50.00} for  XXXX  2017 for  XXXX   2017,  and for  XXXX   2017.    By  XXXX   2017,  we are expected  by American Education Services to pay, {$300.00}. This big amount we can not afford, beca use even as of this writing we do not have fund to pay our monthly home amortization and our other very urgent bills.   I would like to include and I am attaching a supporting documents about the lawsuit, filed by student against National Collegiate Trust, and we are very thankful to  XXXX , that we are included in the settlement for this lawsuit. Please help us negotiate with National Collegiate Trust an d American Education Services,   to allow us to pay, an amount of {$150.00}, the previous amount, we use to pay since, year  XXXX , up to  XXXX   2017,  We have completed the payment for the forbearance amount of {$150.00} for the  three ( 3  ) months they have granted to us,  XXXX   2017  to  XXXX   2017.    Thank you for all your help.
Consumer complaint received 2024-10-28
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

To Whom It May Concern at the CFPB, I am filing a complaint against Toyota Motor Credit for their failure to validate a debt listed on my credit report. This debt, reported as a closed charge-off with a balance of {$4200.00}, is negatively impacting my credit. 

Account Information : Creditor : ** Toyota Motor Credit Account Number : ** XXXX Balance Owed : ** {$4200.00} Status : Closed Charge-Off with a Past Due Amount of {$4200.00} Address : XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX Summary of Issue : On XX/XX/year>, I sent a debt validation request to Toyota Motor Credit , asking for verification of the debt and proof of my liability. To date, Toyota Motor Credit has failed to respond with any validation or documentation. This lack of response is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which mandates that they provide verification when requested. 

Requested Resolution : Due to Toyota Motor Credit 's failure to validate this debt, I request the following : 1. Immediate removal of this charge-off from my credit reports with XXXX, XXXX, and XXXX. 
2. Cessation of any future collection attempts, as no verification of this debt has been provided. 

Thank you for your assistance in addressing this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
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. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX XXXX and TransUnion immediately! 

XXXX XXXX XXXX  XX/XX/year> {$460.00}
Consumer complaint received 2024-08-22
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. (PA)

Im asking for your support in addressing this incorrect account on my credit report. Ive brought this up because its hurting my reputation, and I need your assistance. The way my credit report has been handled has left me struggling, as this incorrect information has tarnished my reputation. You need to correct these errors so I can live comfortably with my family.
Consumer complaint received 2024-08-22
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. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which 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 relating to any transaction by the consumer. 
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
Consumer complaint received 2024-08-22
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. (NY)

I need your help regarding this incorrect account listed on my credit report. Ive brought this to your attention because its harming my reputation, and I need your support. Your poor management of my credit report has brought me significant trouble, and your inaccurate reporting has damaged my reputation. You need to correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/2024, I applied for an Amex EveryDay Credit Card through their website, which at the time advertised a 0 % introductory interest rate for the first 15 months. I started using the card, and at the end of XXXX, I noticed interest charges. I reached out to American Express, or Amex, to understand why I was being charged interest while still within the introductory period. 

Their response was that I had been approved for the card without the promotional benefits, such as the 0 % introductory rate. After some back and forth, I requested a copy of the agreement I consented to when signing up, which should include all the terms I agreed to at that time. They informed me that they do not have a copy of this agreement. 

Its unacceptable for a large company not to have a digital record of the terms to which a consumer agreesespecially since the terms theyre now citing differ from the 15-month 0 % introductory period advertised on their website. In the end, I asked if it were possible that an error, either human or technical, had occurred. The representative essentially responded that no errors were possible and that they were never wrong. So, its my word against theirs, with no evidence they can provide, yet they are still charging me interest. I dont believe this is acceptable.
Consumer complaint received 2024-10-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (TX)

I have one unused {$100.00} XXXX gift card that expired XX/XX/XXXX and one unused {$25.00} XXXX gift card that expired XX/XX/XXXX. The issuer of both directs me to the website XXXX with phone number XXXX. I called them to get replacement cards and they said that since they expired, there are no cards on record with these card numbers.
Consumer complaint received 2024-11-01
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. (AR)

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report, as I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to restore accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$410.00} In addition, I request the removal of the following unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (OH)

In late  XXXX    XXXX  , I received a phone call from  XXXX   XXXX  of  Prince, Parker, and Associates,  a collection agency, stating that  XXXX   XXXX   XXXX  had referred my account to them for collection. I informed  XXXX   XXXX  that I had been working with  XXXX   XXXX   XXXX  to resolve the bill in question, because they had confirmed it as being inaccurate.  XXXX   XXXX  insisted that if I did not provide payment withi n 4 hou rs, she would make negative remarks to my credit file. I told her I would not pay a bill that has been acknowledged as invalid by the creditor, and that I would get back to her once I spoke with  XXXX   XXXX   XXXX . I then called  XXXX   XXXX   XXXX  customer service again in an attempt to resolve both the billing issue and the collection activity.  XXXX   XXXX   XXXX  opened a dispute case and advised me to provide the case number to the collection agency, indicating that it would stop any further action until  XXXX   XXXX   XXXX  was able to resolve the billing problem. I called  XXXX   XXXX  back and left the information Id received from  XXXX   XXXX   XXXX , including the case number, on her voicemail, and asked her to call me back if she had any further questions or required any additional information. The following week,  XXXX   XXXX  called me again, stating that I needed to make payment arrangements immediately or negative action would be taken against my credit. I reminded her of the  XXXX   XXXX   XXXX  case number that I had left on her voicemail the previous week and inquired if there was a problem with that information.  XXXX   XXXX  indicated that she had not listened to her voicemail, that the case number was meaningless, and she would only accept direct communication from  XXXX   XXXX   XXXX  to cease collection activity. I called  XXXX   XXXX   XXXX  customer service again to let them know that she would not accept their case number and inquire about the next steps to resolve this action, but no one was able to assist. As of todays date,  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX  has not resolved the billing issue and  XXXX   XXXX  continues to call with threats of negative credit remarks and further action if I refuse to pay the invalid bill. In each communication with  XXXX   XXXX , she is belligerent, inattentive, and degrading. She refuses to listen to the issue at hand and speaks to me as though I am something less than human.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

From XXXX and XX/XX/2020, the new mortgage processing company after switched from the old mortgage processing company kept asking me to purchase the HO6 insurance ( condominium owner insurance ) even though I did not buy the HO6 insurance after purchased the house 10 years ago. I already provided that my HOA master insurance covered the structure of the house but the new mortgage process company - XXXX ( Loancare company ) bought the HO6 insurance from their own decision while I were still communicating and even after I already purchased and provided the condominium insurance. I am very frustrated with their one way decision buying {$580.00} fee without my agreement and trying to charge the fee to my mortgage account number # XXXX.. The company never listen my opinion that other lenders never asked the additional and duplicated insurance since I already rented out the house. Please email me at XXXX or call me at XXXX for any question. 

Regards, XXXX XXXX.