davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions (PR)

TSC Accounts Receivable added a collections account to my credit reports on XX/XX/2021. I had perfect credit before this and paid all of my bills on time, so I was shocked that I was not contacted nor aware of any debt owed by the original creditor, XXXX XXXX XXXX. I was never contacted by TSC regarding the debt before it was published to all 3 credit bureaus, which is a violation under the Fair Debt Collection Practices Act. Had I been properly contacted and they provided proof that I owe this debt ( see below ), it would have been settled before they took extreme measures to ruin my credit. 

I sent a debt validation letter to TSC to try and verify the debt they are claiming I owe. It was certified mailed on XX/XX/2021 and received by them on XX/XX/2021. To this day ( well over 30 days past the Fair Debt Collection Practices Act deadline ), I have never received anything verifying that I owe this debt. 

According to the FTC, they are in violation of " Debt Parking, '' which is an illegal practice where collectors post debts to people 's credit reports without first trying to contact them.
Consumer complaint received 2024-08-05
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. (IL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DE)

XXXX XXXX XXXX, XXXX represented XXXX and XXXX XXXX in regards to their residential refinance. On the date of the funding ( XXXX XXXX ) we sent her payoff funds to XXXX XXXX, these funds on the payoff were good through XXXX XXXX. On XXXX XXXX ( 4 business days later ) we received a call from them saying this payoff was short. At that time the clients received called from them ( XXXX XXXX XXXX as well we received the following amounts from them advising us on the amount needed to get this mortgage paid off, the amounts were : {$1100.00}, {$190.00}, {$1100.00} and then the full amount of {$100000.00}. Once this was resolved over an hour phone conference with XXXX XXXX XXXX. # XXXX XXXX, our mutual client tried to pay this amount over the phone. We were told that XXXX XXXX can not accept payments over the phone and will only take certified funds to this short payoff. The client then followed the instructions and sent them via Fed Ex ( Tracking Number : XXXX XXXX the certified check in the amount of {$1100.00}. They stated that once this was received the account would be paid in full. Now fast forward to today, ( XXXX XXXX ) Our office received a check from XXXX XXXX in the amount of {$100000.00} regarding the amount that our office sent them back on XXXX XXXX. We are now back to square one. I have to now deposit this check and wire these funds back to them. I am concerned for the client that they are going to try to post late fees and this is going to be an on going process. The representative I spoke to now XXXX XXXX stated he has no notes in the system on the conversations over the past few weeks and will look into the employees that we spoke to so we can get this resolved. I feel immediate action needs to be done with this company. When this was going on even the employee XXXX was very sorry about this and stated to me that this happens all the time and they get a lot of complaints from people when they try to payoff their mortgages.
Consumer complaint received 2024-08-05
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. (TX)

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( XXXX ) regarding the XXXX of XXXX, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (MO)

I am writing to follow up on my previous dispute regarding several negative items on my credit report that remain unresolved. As a responsible consumer who actively monitors my credit history, it is disheartening to see these unverified entries persist despite my efforts.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

My account with WFBNA HOME XXXX was never late! I have had exceptional payment history witH WFBNA HOME XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


WFBNA HOME XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-10
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 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. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-08-29
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

My account with Chime has been closed for some time now. Since XXXX, I was assured an account closure check would be mailed out. I have the initial email confirming I needed to update my address within 4 days for it to be sent correctly. 

I promptly updated my address within the timeframe. However, when I called on XX/XX/XXXX, after being passed around, I was informed the check was mailed on XX/XX/XXXX but to my old address in a different state. 

I took immediate action, placing a hold on mail to intercept it and visiting the old address. After 30 days of waiting, no mail came in my name. 

Since then agents claim they notate my address but say only the check closure department can actually update it, which they havent. 

After speaking with XXXX from Chime ( XXXX ), who assured me my address was updated and tracking information was on its way early last week, now tells me today XX/XX/XXXX its not updated, and I must call again. 

I requested there legal departments information and they refuse to give it to me. I dont want to have to keep calling to change my address with regular support channels because its been over 2 months and nothing has been followed through on their end. I explained this was an urgent matter and have collected all emails and phone conversations to reflect my claims.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I request an investigation into the following item ( s ) : Account Information : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Description of Inaccuracy : I dont owe XXXX XXXX XXXX XXXXXXXX no money , I never had their service. 
Explanation of Dispute : Fraudulent activity discovered on my account.Somebody used my information to get auto insurance. 
Request for Correction : I request that the inaccurate information be promptly corrected or deleted from my credit report, as it is affecting my ability to obtain credit on fair terms. Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents such as billing statements, correspondence, etc. ].
Consumer complaint received 2024-08-05
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. (NY)

This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also asking for the date when the supposed delinquency occurred, which should have been provided to you by the company. I understand that it usually takes seven years for a trade line to be removed, but I would like to know the specific month and year when this trade line will be removed. 

ACCOUNT : XXXX XXXX XXXX.
Consumer complaint received 2024-08-05
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX act. # XXXX, XXXX XXXX  acct. # XXXX, XXXX XXXX XXXX acct. # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$4800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$14000.00}
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX : ** XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights.

Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mandarich Law Group, LLP (WI)

On XXXX XXXX I was notified by my employer Debt there was a wage garnishment from a company, I had not heard of stated that it was in court in Illinois, which I live in Wisconsin and have lived in Wisconsin for over a year at this time I was not notified I was not served, had no knowledge of the court date nor of a judgment my wages began being garnished on XXXX XXXX. I have a temper to contact the company or the law firm, and they have not responded nor have they stopped the wage garnishment.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have submitted a complaint ID XXXX. Following up as I missed their attempt to call, which seems to be a disingenuous attempt to contact me. I called back within XXXX minutes, then for a few days after all within the business day. They direct me straight to a voicemail. I have no interest in getting a phone call then having my time wasted trying to get in contact through their voicemail. I do have interest in them just emailing back to show the numbers they used to apply this interest. I would also like them to state where my money has been applied. They have misapplied a payment to a lower apr account before the higher apr accounts and I have had to pay interest.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/2024 Compliance Department XXXX XXXX XXXX [ Addresses of XXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with JEFFERSON CAPITAL SYSTEMS, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692c ).

Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/2024 I have reviewed my credit report from [ XXXX XXXX and XXXX inaccurate information regarding my account with JEFERSON CAPITAL SYSTEMS. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX