davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (MD)

American Express started calling me in XX/XX/year> to demand collection on a business credit card account. American Express instituted collection on my personal social security number for a business credit card on or about XX/XX/year>. Requested over the phone numerous times when they called trying to collect on the debt that they send me statements and the paperwork showing that I have personal liability for the debt. They only sent me the statements which showed my business partner had run up thousands of dollars in debt on personal charges ( cruises, travel, clothing, personal utilities, etc. ). They have never sent any evidence that I am personally liable for the charges. 

Certified letter sent to Amex XX/XX/year> demanding the paperwork with copies to XXXX, XXXX, and XXXX. Still have not received that paperwork. 

XXXX sent XX/XX/year> from XXXX XXXX XXXX will be collecting the debt. XXXX their pre-filled out form requesting dispute of the debt and for them to send us the name and address of the original creditor ( Reference XXXX ). Still no response., Received letter from XXXX XXXX XXXX XXXX that they were handling the collection. Sent a letter to them via email on XX/XX/year> demanding paperwork. Received a response on XX/XX/XXXX that showed a one-page document with the cover letter stating " Dear XXXX XXXX XXXX we are pleased to send you a copy of your Cardmember Agreement. '' No proof that I am the guarantor on the account or that I am the one that opened the account. 

Received letter XX/XX/year> from American Express Credit Bureau Unit that our account is recorded as " in dispute. '' Received letter from XXXX XXXX XXXX dated XX/XX/XXXX regarding a debt validation request sending " statements and any other relevant documentation to serve as validation of debt. '' They ONLY sent the statements. No proof that I am the guarantor on the account or that I am the one that opened the account. 

Called XXXX XXXX XXXX XX/XX/XXXX. Spoke to XXXX XXXX at ( XXXX ) XXXX. Requested original documentation of guarantor signature. To date, no response. 

Left message with XXXX XXXX XXXX again XX/XX/XXXX. Their message said we will receive a return call within 24 hours. No response.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We submitted a short sale for unit XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX back in XXXX 2014 to Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This company has been very uncooperative and made us resubmit the same paperwork multiple times, while not performing their due diligence, making it impossible to conclude the sale of the unit. They created a paperwork nightmare and forced us to auction the unit knowing in advance that the property would not fetch a better offer. Consequently, the buyer is prepared to retract his offer which already happened in unit XXXX located on the same building which had a similar offer and is also owned by the XXXX owner. 

Nationstar Mortgage is responsible for the offer of unit XXXX to be annulled and is also responsible for the offer for unit XXXX to be on the verge of being annulled. We are not sure why they creating all these barriers as we worked with them in good faith. Please help us to speed the process and asked them to stop playing these games. Thanks, XXXX XXXX ( owner ), XXXX XXXX ( 3rd party ), XXXX
Consumer complaint received 2023-11-08
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 (FL)

I am writing to file a formal complaint against PORTFOLIO RC XXXX that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Consumer complaint received 2024-08-22
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. (AL)

On about XXXX XXXX XXXX, I informed XXXX XXXX and credit reporting agencies I wasn't late under 15 USC 1666b and 15 USC 1637. They have ignored my request and keep blemishing my credit files. Also keep adding fraudulent inquiries on my credit files as well.
Consumer complaint received 2024-05-20
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. (WI)

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my credit.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I have attempted to reach out to the company degrading this alledged debt. I specifically request red proof this debt is infacr mine. I was sent the documents attached. I am now demanding this debt bone removed from all major credit bureaus immediately.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Neon Newco Corporation (NV)

On XX/XX/2018 I was making a reasonably large purchase in the amount of {$3700.00}. I had {$4100.00} in my account. I called Netspend customer service to ensure the transaction would proceed without issue. I was reassured that there would be no problem. I informed them the location, amount and company name the purchase would be from. approximately 3 minutes later, the card was swiped and declined. Netspend held {$4100.00} on the {$3700.00} charge. I called customer support and they informed me that Netspend holds 15 % on all rental charges. This is something that is not in the terms and conditions. customer support informed me also that to receive my money back, i would have to provide them with a confirmation receipt that the transaction was declined. upon providing them with the only documents i was able to get, they informed me that it was insufficient and that there was nothing more they could do. The merchant had sent them an email with the declined receipt attached. 2 representatives would not transfer me to a supervisor, and all of the reps would not allow me to be transferred to a united states call center. XX/XX/XXXX, i received a call from their corporate headquarters to verify the transaction had been cancelled. The funds were immediately released to my account with no further question. I spoke to XXXX XXXX, Corporate customer experience representative. I asked him where this information was in the terms and conditions, he informed me that it was in " pending transactions ''. after searching through the document, i was unable to find anywhere that addressed rental transactions. I asked him to locate it for me, after which he quickly ended the call stating he didn't have the time. I am very upset with the customer service of this company. There is a huge communication barrier in the fact that many of the representatives do not understand the english language well. To top off the matter, they will not transfer their customers to an american center where the communication will not be a barrier. If customer service is an important matter, this company is not one to give business to.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by TransUnion and XXXX on my XXXX  account ( Account # XXXX XXXX ). 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Installment - Account Status : Closed - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Account closed by consumer - Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX - Account Type : Installment - Account Status : Paid - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Credit line closed - consumer request - reported by subscriber. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct TransUnion and XXXX to remove the incorrect late payment information from my credit reports. As indicated by the " Current '' status and the fact that the account has been closed by consumer request with a XXXX balance, the reported late payments are erroneous. 

Please find attached copies of my credit reports from TransUnion and XXXX highlighting the discrepancies, along with any supporting documentation that may aid in resolving this issue. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-20
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)

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (IN)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Here 's a memo to the Consumer Financial Protection Bureau ( CFPB ) disputing the inaccurate late payment information on your credit report : -- - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX [ Email Address ] [ Phone Number ] *XXXX XXXX XXXX **Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX IA XXXXXXXX XXXX XXXX XXXX  **Subject XXXX Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by the three major credit bureausTransUnion, XXXX, and XXXX XXXX XXXX account ( Account # : XXXX ) XXXX 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- XXXX - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$1800.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct the credit bureaus to remove the incorrect late payment information from my credit reports. I have maintained current payments as indicated by the " Current '' status in all other areas of my account details, and the reported late payments are erroneous. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (SC)

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Notice of dispute under the authority of the FCRA. XXXX XXXX  and XXXX XXXX XXXX  are reporting taxable income to my consumer report. A charge-off becomes taxable income for the consumer as the amount charged-off by the Creditor is added to the consumers annual earned income through the filing of IRS form 1099c. This is a direct violation of the FCRA and affirmed in ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit report attached is evidentiary documentation of violations reported.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

First I dealt over the course of nearly 1 year with XXXXXXXX XXXX XXXX other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over XXXX times and they refuse to cooperate.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

My husband died two years ago. I have XXXX boys in college. My husband left me with significant financial issues, including outstanding medical bills, debts I was unaware of, a mortgage at a very high interest rate, etc. I began to try and refinance the mortgage over a year ago, with no success, due to my credit report. I tried repairing the credit history and still was not able to refinance. Finally, the mortgage lender NATIONSTAR MORTGAGE , LLC, told me I could be eligible for the mortgage assistance program. They told me to skip one month 's payment in order to show my need. Then, they signed me up for the new loan and told me I had to pay 90 days at a higher rate ( I assumed this was to make up for the payment that was skipped ). At the end of the 90 days, they lowered my interest rate from 8.3 to 7.8 percent - but my monthly payments went from {$2800.00} to {$3200.00} per month, plus accrueing fees of over {$200.00} per month which I ca n't get anyone to explain to me. In addition, Nationstar reported that I was late with those 90 days of payments, when in fact they were not only paid, but they were higher than the original mortgage payments. This then scarred my credit report yet again. Several more attempts have been made to try and refinance so I can get the monthly payment down to something manageable - but my credit report continues to hinder me. Not only has NATIONSTAR made the monthly payments higher through their " MAP '' program, they have added considerably to the amount of the loan itself. Before I started the MAP program, I owed approximately {$260000.00} on the house. I now owe over $ 270K. How does this happen when I literally begged for months for someone to help me? I do not want this to happen to others. Please help me and help others.