davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (DE)

VALIDATION AND CEASE AND DESIST Resurgent /LVNV FUNDING XXXX XXXX XXXXXXXX XXXX , Sc XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX Dear Resurgence, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (GA)

I am a victim of human XXXX  of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2023-07-22
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. (GA)

XX/XX/2023, at XXXXXXXX XXXX  I spoke to Bankruptcy courthouse employee XXXX. I asked her does the Bankruptcy XXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the Bankruptcy Court House website that the court doesnt report to credit bureaus. The Bankruptcy XXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I ordered a product from Amazon.com on XX/XX/year>. I decided to return the item unused and unopened ( the packaging was completely intact and undamaged ). I was provided a return code and instructed to drop off the item at a XXXX XXXX store which I did. I dropped off the item on XX/XX/year> and received notification the return was received on XX/XX/year>. I have since never received my refund for the return. I have contacted Amazon customer service over live chat and by phone over 5 times. I have been told many different things by different representatives : some representatives told me I would receive my refund soon, some representatives told me that the item I returned was incorrect and I would not be receiving my refund ( in which I told them to please re-check the item because I returned the exact item I received in an unopened undamaged package ), and some representatives told me to contact my bank for a resolution. I contacted Chase bank to file a dispute. The dispute was denied with the proof being " the merchant submitted proof of me agreeing to the terms and conditions. '' The proof states that I agreed to the terms and conditions and returned an item I was not allowed to return. This is completely untrue. If I was not allowed to return the item, then why was I provided a QR code with instructions to drop-off the item at a XXXX XXXX store? Furthermore, I have screenshots of the message in my Amazon app that shows my return was dropped off on XX/XX/XXXX and received on XX/XX/XXXX. I just have not received my refund. I contacted Chase claims again after my claim was denied and was still told even after submitted my screenshot proof that the return was received that my claim was denied due to me " accepting the terms and conditions. '' This absolutely makes no sense at all. I returned an unused, unopened item as I am allowed to by Amazon and have not received my refund. I am really frustrated after spending all of this time talking to Chase bank and Amazon customer service representatives. I have been cheated of {$430.00} which is a lot of money for me. Thank you.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (DE)

On XX/XX/XXXX I was going to apply for credit and pulled a current credit report and found that a fraudulent student loan was opened not by me. I tried contacting all credit bureaus and provided them the proper documents that they requested but it has been extremely hard to speak with anybody or get any answers. i dont know how all this works and i have mailed in disputes as they suggested and to this point nothing has been done and i have not received any responses from the credit bureaus. i did receive a response back from XXXX where they accused me of not being me. they said that i hired a company to dispute this on my behalf which is not true.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (KY)

I paid off my loan for my XXXX XXXX XXXX on XX/XX/XXXX. After which I received a letter dated XX/XX/XXXX, and the original title lien statement and a new title lien statement with the termination box marked, however, the original file number and the original file date was not filled out which is required by the state of Kentucky to obtain a new title. I immediately called TD Auto Finance and requested a lien statement filled out correctly for the state of Kentucky. I have called several times since XX/XX/XXXX, and I have sent an email requesting the corrected form. They have claimed to have mailed it, but if they have I have not received it. Now, almost two months have passed. I do not understand why they would not fill out all available information, if it is available. I was told during the first phone call that some states require this information and some do not.
Consumer complaint received 2024-09-16
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)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-16
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

Taxes increased payments from XXXX to XXXX I was asked to also pay Attorney Fees from 2020 I asked for an Audit to understand how money is being applied to the account due no decrease in balance Online site for payment is set for the new total of over XXXX dollars to be paid, ONLY. No option to pay a different amount.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-16
Product: Credit reporting 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: Experian Information Solutions Inc. (TX)

I tried numerous times to set up a free sign in account with Experian, online and on my cell phone. Every time I get part of the way and then ultimately get stuck on a screen that says info doesn't match or we are experiencing technical difficulties, try again later. I have been trying for 2 weeks to create an account with no success!
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (MD)

My property taxes and insurance have been roughly the same for 3 years and my mortgage servicer continues to increase my monthly payment. Stating there is an issue with my escrow balance however my taxes have not changed. Additionally I have noticed round point has not been paying my taxes on time and I have noted penalties and interest on my property tax and i have to pay for them out of the monthly escrow. 

My semi annually my taxes are XXXX and my home owners insurance is XXXX. However, round point said i paid XXXX in taxes.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

In accordance with my rights under Section 1681s-2 of the Fair Credit Reporting Act, I formally request validation of the debt reported.

Section 1681s-2 mandates that furnishers of information must only report accurate and verifiable information to credit reporting agencies and are required to correct or remove any inaccuracies. Please provide documentation that validates the legitimacy of this debt, including a record of the original account, the current balance owed, and any relevant details that demonstrate my legal obligation to pay. If you are unable to provide adequate validation, I request that this debt be promptly removed from my credit report in compliance with FCRA guidelines.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (VT)

Sold my house and paid mortgage off in full with shell point mortgage servicing company; received statement from them, closing letter, and a check for overpaid interest afterwards- but they're reporting my mortgage as delinquent which is negatively impacting my credit rating. 

Just want the delinquency removed
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am writing to urgently notify you that I have fallen victim to identity theft, resulting in the addition of unauthorized accounts to my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to correct this issue. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the removal of these fraudulent accounts from my credit report to restore its accuracy.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX {$4700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.