davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

New York State Division of Child Support, Transunion, XXXX, XXXX XXXX, and XXXX has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to Child Support Obligations ( 1 ) Overdue support.

The term

overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) St
ate or local child support enforcement agency.

The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States Court - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Court of Appeals XXXX XXXX XXXX XXXX XXXX XXXX And United States District Court District of Minnesota XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I am filing this complaint because the debt buyer MIDLAND CREDIT MANAGEMENT INC is coercing the payment of an alleged debt by issuing warning to sue over an alleged debt that has not been validated as of XX/XX/2024. I have not received enough information regarding the alleged debt. Coerce- persuade ( an unwilling person ) to do something by using force or threats. 
" They were coerced into silence '' persuade obtain ( something ) by using force or threats. 
" Their confessions were allegedly coerced by torture ''. The company violated my rights under the FDCPA per 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Section 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person, 15 USC 1692 ( 4 ) ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action, 1692e ( 10 ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This company has me on legal track as if they are counting down in an attempt to pressure me to pay an unvalidated debt. I want to highlight per 15 USC 1692i ( b ) legal action by debt collectors ( b ) Authorization of actions " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. ''
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I am filing this complaint because there is a debt collection tradeline in my consumer reports. I have not received any notice of information regarding this alleged debt which is in fact a statutory violation of the FDCPA. I am uploading a notice of debt validation to ensure compliance from the collection company.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

This collection agency has an account on my credit record that I totally don't know about. When I called them, they didn't know what company it was, and it is also expired according to the law. In addition, they are reporting this old account that I didn't know about to the credit reporting agencies. credit, I demand that this be removed from my credit, I attach the letter, please open the attach
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-27
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: LEXISNEXIS (MI)

You never provided an answer of your involvement of XXXX purchase agreements you sign off on XXXX. Hud a sale date of illegal XXXX immigrant XXXX XXXX XXXX and XXXX and fake doctor fired. I reported to XXXX as XXXX. Then your support led to XXXX XXXX XXXX went on to XXXX XXXX XXXX XXXX account checks in my name led by corrupt XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX and reported as XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX of XXXX XXXXXXXX XXXX used a fake loan for XXXX y'all shared. Then XXXX XXXX XXXX XXXX XXXX XXXX and enforcement XXXX under XXXX discovered my settlement and now LexisNexis XXXX XXXX XXXXXXXX Tradelines XXXX XXXX XXXXXXXX XXXX and now XXXX confirmed my loan was paid off in full XX/XX/year>, please investigate.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (WI)

I am writing to formally lodge a complaint regarding the completely inaccurate and misleading information reported on my credit report. This erroneous information is not only preventing me from obtaining credit, but it is also damaging my financial well-being and tarnishing my character.

Enclosed with this complaint are the details of the account in dispute, along with all of my personal information to verify my identity and help expedite the process.

By provisions of 15 U.S. Code Section 1681i of the Fair Credit Reporting Act, these items must be investigated. I request you provide proof of these items, specifically the contract bearing my signature. If you can not provide this, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

Disputed Item : Account Name : XXXX Account Number : XXXX This account is listed as a collection/charged-off account on my credit report, but I have never received a 1099-C for this charged-off debt. Please provide me with a 1099-C to accurately reflect this as a charge-off for tax purposes and update my credit report accordingly or delete it immediately.

Pursuant to 15 U.S. Code Section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, I also request a description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter. These may seem like small reporting errors to you, but they are serious offenses on my report when it comes time to purchase a home for my family, buy a vehicle, seek a business loan, or even obtain employment. Please consider expediting this process for me.

Thank you for your attention to this important matter.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have had a target card since XXXX and have never missed a payment. In XX/XX/XXXX I was a victim of Identity fraud at my bank XXXX I had to close my acct and open a new acct with my bank. Target was one of my many auto payments through my bank acct. as I have several I could not remember all my auto payments and since my bank closed my old acct I could no longer view my old activity. So I figured I would get notified of a payment failing from target like many of my other creditors did. I did not recieve any notifications either through email, text, or mail that I missed a payment. I went to target in may to find out my card was declined. I called target card services and they stated my card acct is closed due to 3 30 day late payments in a row. I explained the Fraud that had happened to me, and told them I have not been notified about any failed payments or late payments. they also could not provide me with any proof they had sent me any notifications.
Consumer complaint received 2024-06-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee I was told I could make payments by phone or on line with my wife 's payment bank account. I did and every payment I did it they were returned. I called on the due date when I seen I had return fees and demanded a supervisor after making a payment with agent. I was told fees were removed. I then asked the manager to take the payment to ensure I would not be late. Clarified it was with my wife 's banking information. I was ensured if the account numbers were good I can continue to make my payments with the account. I called on XXXX got a supervisor and was told again the payments returns. On that call only was I told it is not a guarantee that I can make my payments with my wife account. No where on the web site was that clear to consumers and the supervisor and agent prior. I did make sure that when I asked the supervisor on XXXX clarified if I made a payment with my wifes account it may return again. It is unfair the information I was given that I should have to pay any fees up until the supervisor on XX/XX/XXXX told me this information. If this is not a way to make a payment it should be clear on web site and verbally if payment with a agent on phone. I have my wife 's name as the account holder for bank information I was using with the agent and the supervisor. I was told the fees would be removed prior to XXXX and the supervisor on XX/XX/XXXX told me that no I was only able to have 1. This is unfair and how many fees is Target getting from people that don't know that you can't make payments from a spouse account.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My mother passed away XX/XX/XXXX, at that time her Nationstar Mortgage account was past due {$1500.00}. In XX/XX/XXXX a cashier check and XXXX money orders were sent to Nationstar in the amount of {$1600.00} with a letter from my Attorney. They applied {$800.00} and I requested they research the other {$800.00} since no one was able to tell me where this money went. We sent proof of payment with copies of the money orders and the cancelled cashier check. Payment was sent monthly to Nationstar but unbeknownst to me the payments were short ( XX/XX/XXXX - XX/XX/XXXX ) but cashed by Nationstar. I discovered through calling the money order company " XXXX XXXX '' that the Money orders sent with the cashier check in XX/XX/XXXX were returned to them. The XX/XX/XXXX payment was also sent back to the XXXX order company. The payments for XX/XX/XXXX - XX/XX/XXXX were returned to my address and I received a Foreclosure Notice. The statement due on XX/XX/XXXX was for the amount of {$5000.00}, I submitted a payment of {$5500.00} through Certified Mail on XX/XX/XXXX. They did not apply this amount to the account and returned the checks to me on XX/XX/XXXX indicating this was insufficient amount and that {$6000.00} was due. The next payment is due on XX/XX/XXXX, the statement amount is {$5900.00}. I have tried to make the payments to Nationstar Mortgage, tried to contact the Assigned Foreclosure Prevention Specialist XXXX XXXX several times but this person has only returned my call once and he left a message. I have spoken with him once. Each time I have called Nationstar I have gotten a different story as to how much is owed, where to send it and if the account is still active. I need assistance with getting this account current. 

Any assistance you can give me would be greatly appreciated. 

Thank you, XXXX XXXXcell XXXXhome XXXX
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (TX)

I have sent Amerifinancial Solutions multiple letters demanding they provide proof this debt is mine in the amount of {$42.00}. The debt collector has refused to acknowledge or offer a single shred of any information and continues to report inaccurate information to the bureaus and a debt that is not mine. I have contacted them multiple times and not a single response to my demand of validation of debt letters.
Consumer complaint received 2024-06-23
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 am writing to formally dispute the accuracy of a collection account listed on my credit report. The account in question is referenced as [ XXXX ] and is attributed to [ XXXX XXXX XXXX ]. 

Under the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Despite my efforts to verify the legitimacy of this debt, I have received no documentation or substantial evidence to confirm its validity. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you : Conduct a thorough investigation of the disputed account. 
Provide me with verifiable proof of the debt, including but not limited to : The original signed contract or agreement that created this debt. 
A complete payment history, starting with the original creditor. 
Any other documents that substantiate the legitimacy of this debt. 
If no verifiable proof can be provided, I request the immediate removal of this account from my credit report. 
The continued reporting of this unverifiable debt is causing significant harm to my creditworthiness and financial well-being. If you can not verify the debt within the time frame stipulated by the FCRA, please delete the account from my credit report to rectify this matter. 

Please confirm receipt of this dispute and provide a written statement detailing the results of your investigation. I look forward to your prompt attention to this matter and expect a response within 30 days, as required by law.
Consumer complaint received 2024-06-23
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. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-23
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. (NC)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 
XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX  XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information. 
2. A description of the procedure used to verify the information. 

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report. 

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation. 

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ).

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
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. (FL)

I had a credit line tied to a checking account at XXXX XXXX XXXX XXXX XXXX to at times cover overdrafts. I had used aprox. {$3600.00} of credit which required a minimum monthly payment of {$60.00}. At the time of the payment, end of XX/XX/2022, I was impacted by XXXX XXXX because I live in XXXX, XXXX XXXX, Florida, location that received a direct impact from the Hurricane. The impact affected my ability to secure the payment on time nonetheless, the payment was made a few days later after the funds cleared on my account. The Bank automatically withdrew the payment from my account. After multiple attempts at requesting that the missed payment be categorized as impacted by the hurricane to avoid any adverse effects on my credits, the Bank did not make any changes. The Bank refused without making an explanation, their unresponsiveness and inaction was their action. Because of the Bank 's inaction and unresponsiveness after multiple attempts later, I asked that all my accounts be closed including the credit line. I made sure that all the accounts were in good standing before closing. A few months later, the Bank and TransUnion reported the credit line account as being cancelled by the credit grantor. This is incorrect and is affecting my credit score. The correct remark is that the account was closed by the consumer and not cancelled by the credit grantor. After multiple attempts at correcting directly with the Bank and TransUnion without producing the correction, I'm left with no other alternative at this point than to submit this complaint. I had the account for over 14 years without having an issue like this. The way it was handled by XXXX XXXX is contrary to their values of being inspired by most wholesome and basic banking principles. Accurate reporting is a basic banking principle. TransUnion has the obligation to accurately report as well. Multiple investigations have not yielded to what is needed in this case, accurate reporting.
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

I opened a tjmax credit card at their store after being promised a discount ( which I never got ) and I always paid off the charges I put on the card every month, and on time. I did however return some items I had purchased and was supposed to receive a credit to my account on more than one occasion. I never received the credit but was charged unknown fees for using the card. These fees then charged created late fees for non payment but the card was never actually used again or had anything owed at all. 
I have disputed this before and they changed it on my XXXX  credit report as never late under status. However, they are reporting falsely that I owe {$270.00} to XXXX  in the same report. I actually dont owe them anything at all and I'm owed back money for the returned purchases. I have disputed this {$270.00} they say that I owe several times and they have never removed it or given any explanation as to why I would owe this money, even though they admit I have never been late yet have reported the account as late for 6 months and it was paid off in XXXX of 2023 and never used again. Nothing is owed to them and I want my money back for my returned items that I have already paid for.