davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse remarks. 

XXXX XXXX XXXX - XXXX XXXX - XXXX As you know it is against the law to report ay information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX, XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2024-06-19
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. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-18
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: CBC Companies, Inc. (IA)

I sent my dispute through certified mail with copies of all the proper identification requests and included the relevant pages from the credit report. They ignored the request for my report to be completed using updated information and left the report VERY incomplete and wildly inaccurate or outright incorrect.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (PA)

I closed my account with Avant in XXXX of XXXX due to excessive fees and Avant 's unwillingness to waive such fees. This left me with a statement balance of approximate {$260.00}. Upon reviewing my XXXX statement suggests, I now owe XXXX dollars. XX/XX/XXXX, after careful review, I immediately contact Avant for an explanation of fees. The representative informed me I was charged a return and late for XXXX due to a reversed payment and a late fee for XXXX although my payment was direct debited and fully processed XX/XX/XXXX. I was informed by the rep at that time he would escalated my concerns for refund. I feel the amount should be credited immediately since, they are not accurate and no fault of my own.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our checking account had one large item for a mortgage payment that had not posted to our account as of midnight last night. Then this morning there were XXXX different charges being returned for less than {$500.00} for them were less than {$25.00} and Bank of America returned all of them as of XXXX oclock today even though I transferred money over to cover the charges. it was my understanding that Bank of America is required to pay. The smaller charges were less fees would be incurred by the consumer and if they are going to return a charge, they could just return to XXXX merchant. We have XXXX different merchants that we are going to have late fees and insufficient funds charges from as well as probably bank fees on top of that from Bank of America for returned item fees, totaling in excess anywhere between XXXX {$700.00} when the money was transferred from XXXX of our Bank of America accounts into our checking account today we called the bank tried to rectify the situation. Ask them if they could cover those charges as a courtesy as we have been long-term customers for 15 years and they stated they absolutely could not so we are going to be out, like I said probably between XXXX and {$700.00} in late fees and insufficient funds charges not to mention if any of those vendors report it to our credit report when we have been good customers for XXXX  years and transferred the funds from XXXX account to another to cover those charges
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I requested a copy of my mortgage note from HSBC on XXXX XXXX, XXXX and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage XXXX/XXXX/XXXX and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so they can sell for a profit. HSBC purposely has enormous wait times to speak with someone who is not helpful and then badgers you for a next payment date. I am asking for help to save my home.
Consumer complaint received 2024-06-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (NY)

XX/XX/XXXX {$19000.00} XX/XX/XXXX {$25000.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$20000.00} XX/XX/XXXX {$8900.00} I Couldn't afford the monthly payments to repay back my loans, delinquency happened because of job layoff, I've contacted them in finding better and cheaper payment plan options and yet still was payments i could not afford. student loan account were charged off or closed with no ways of making payments. I've made numerous attempts of contact in finding a resolution in making repayments that I was able to afford and they were not willing to work with me
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NJ)

I tried to get XXXX three bureau credit report with credit score product online and paid successes fully but their system unable to get report from one credit bureau " Experian '' blocked my accesses unable to get credit report and score from them. I called XXXX customer service and they tried their end and they are unsuccessful to resolve matter. They give me Experian Credit bureau number which i called many times until i got customer representative and i explained why my report blocked, she looked my account and other information and tried it but she is unsuccessful also and only she told me send free credit report and look and match all item is correct then call us again until then. I want to know what went wrong they blocked my reports? What reason i am not getting reports? i tried Experian product too but same reason i can not get.
Consumer complaint received 2024-07-14
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: TD BANK US HOLDING COMPANY (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (DC)

XXXX am contacting you because i have found some information that is inaccurate on my credit report. 
I dont believe these accounts were paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quas possible. The item in question are : Best Buy/ CBNA After doing so please provide me with with an updated credit report reflecting the charges. Thank you for your time
Consumer complaint received 2024-06-03
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)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX 2024 2024
Consumer complaint received 2024-10-15
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)

XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom it May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Address XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL, XXXX Phone Numbers- ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AccountsAccount Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX  XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Number XXXX Account Name XXXX  Account Number 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  Please block this information from my credit report within four 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. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX Enclosures Proof of identity XXXX  documentation
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX.filed judgment in court. I sent payment as per agreement for {$250.00}. Company said my payment was only {$25.00} although they had cashed it for {$250.00} from their bank and check had cleared for {$250.00}. They attempted to garnish wages without notifying me and I had to correct error and send them proof of information they had ( ie canceled check and proof of funds ). They blamed my handwriting and said they did not have to notify me of anything. Company representative " XXXX '' never notified me of options such as settlement options which I found out 3 years later I should have received. Caused embarrassment and issues with my employer
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-07-14
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: GOLDMAN SACHS BANK USA (VA)

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, XXXX.
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Solutions Group, LLC (TX)

Debt collectors who use abusive, unfair, or deceptive practices to collect debts are in violation of the law. Recovery Solutions Group , LLC left a deceptive voice message. In that voice message, XXXX XXXX stated that he had been hired by XXXX XXXX, Recovery Solutions Group, to do a complete asset and liability investigation and that he would begin on his investigation XX/XX/XXXX. In the message XXXX XXXX stated that he was working File # XXXX and would investigate Internal Revenue Service, Alcohol Tabacco and Firearms, Texas Attorney General, Insurance Commissioners Office looking for insurance fraud. XXXX XXXX is a XXXX retired XXXX veteran in poor XXXX who was very much emotionally distressed by this unconscionable harassment. We believe that this constitutes a violation of the Federal Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. Given the age and poor health of XXXX XXXX this egregious violation undoubtedly warrants special circumstances.
Consumer complaint received 2024-07-05
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. (TX)

I am writing to follow up on my previous dispute letters sent to your office. It has been over XXXX days since I initially contacted you regarding inaccuracies on my credit report, and I have yet to receive a response or resolution. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within XXXX days ( 15 U.S. Code 1681i ). The lack of response to my dispute is a violation of this requirement. 

Please find attached copies of all correspondence related to this matter. I request that you promptly address this issue and correct the inaccuracies on my credit report as per the FCRA guidelines. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-06-19
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: CREDIT ACCEPTANCE CORPORATION (MI)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-19
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: CREDIT ACCEPTANCE CORPORATION (MI)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (AZ)

I received a notice through the CFPB regarding the XXXX and XXXX late notices on my credit report last month. Apple Card reversed the XXXX and XXXX late notices in my Apple account XXXX but has failed to notify the credit bureaus. 

Over the last month, I have made several attempts to resolve this issue with Apple after receiving the notice through the CFPB. 

The late notices were a communication failure of the Apple Card representatives. The representatives told me several times that there would be no late reports to the credit bureaus from XXXX through XXXX. I have the recordings of my conversations with the representatives. 

This misinformation led to XXXX and XXXX late notices to the credit bureaus. 

Please remind Apple that the XXXX point loss on my credit reports is damaging my business and personal financial life.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

On XX/XX/XXXX I have dispute a collection account on my credit report with XXXX XXXX XXXX IM NOT LIABLE FOR This debt REQUEST TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT REPORT. REASON DIDN'T PROVIDE ORIGINAL CONTRACT WITH MY SIGNATURE. REQUESTING TO REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2024-08-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (TN)

Bridgecrest falsely updated my account status to OPEN and erased payment history from XXXX they also updated XXXX AND XXXX with two different reports for this account .I attached all evidence. I have receipts from payments made during those years. Bridgecrest is violating several consumer credit laws and Id like to sue for each .The photos describe what my account reflected before the dispute and then what Bridgecrest falsely updated. These attachments show that the last payment made was in XX/XX/year> but shows a non payment for that month everything on this account is WRONG
Consumer complaint received 2024-08-31
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I was in the fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late in payment I have attached a copy of my report to this complaint on the following date - XX/XX/XXXX. 
Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (LA)

My property insurance is due on XX/XX/XXXX for {$3400.00}. I informed the Valon XXXX way ahead of the due date in XXXX. It took a long time for them to pay my insurance. In the meantime they made a huge mistake to pay my flood insurance to the XXXX XXXX company amount is {$3400.00} on XX/XX/XXXX. They didnt realize my flood insurance was paid for full year through XX/XX/XXXX for {$1100.00} on XX/XX/XXXX already. Spoke to their customer service so many times, stated the payment stopped to XXXX XXXX XXXX for {$3400.00}. It would be put paid to my account. I personally spoke to the XXXX XXXX XXXX insurance they never received any payment. Now my XXXX  account is negative balance. This Valon XXXX the way doing business is like a scam to me.