davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (WA)

I recently discovered that Radius Global Solutions. accessed my credit report on XX/XX/year>. I am unfamiliar with this company and did not authorize them to pull my report. Additionally, they did not have a valid purpose for accessing my credit information. 
I request that Radius Global Solution. provide a valid reason for pulling my credit report. 
Thank you for your attention to this matter.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir/Madam : I have a problem with the Chase Bank XXXX Office XXXX XXXX XXXX, XXXX, OH XXXX that refuse to open a checking account for me at a local Chase Bank XXXX located in XXXX, New York XXXX XXXX 

I complained to the XXXX Office about this fact, and received a response from them on XX/XX/2021. The Office states in their reply that according to the Deposit Account Agreement that can be found on www.chase.com Web site, the bank has the right to refuse to open an account for any reason or for not reason at all. I have reviewed very carefully the Account Deposit Agreement PDF sheet, and the bank is wrong. The Agreement does not address the account opening ; it only states that chase can close an account for any reason. I am a XXXX individual that would be much helped if I could have an account opened with Chase Bank which is in a very close proximity from where I live. 

I would like to seek your intervention as a bank regulations compliance entity in this matter so you can ensure that all the laws and bank regulations are followed by Chase Bank XXXX Office. Thank you for your assistance in this matter. I will provide my information in the space provided by the system.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (GA)

I called IC Systems collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX  report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants IC Systems authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 IC Systems decides to report the same collection information on my XXXX  report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for IC Systems. I have provided documentation showing IC Systems being deleted from my XXXX  report as they could not validate this fraudulent debt ; proof showing this XXXX XXXXXXXX XXXX belongs to IC Systems and documentation showing them adding the same exact collect on my XXXX  report under " XXXX XXXX. ''
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Newrez failed to apply timely payments to my account. XXXX payment is made prior to the due date and the other XXXX payment is made prior to the due date. Newrez does not apply the payments timely presumably because they are not organized. While no notice was given to me with respect to my payments or its decision not to apply my payment timely, Newrez preceed to notate my account to the credit reporting agency despite that all payments were made timely. Newrez has refused to contact me and simply charges a late fee for payments that were never late. It is still baffling to me that certain timely payments were returned to me and the record keeping has now frustrated my account showing inaccurate balance since interest accrues against balance with unapplied payments. If Newrez continues to act in this manner, I have informed them that payments will be withheld until such time that they can straighten out what would ordinarly have been a clean account with clean payment history. All late fees need to be removed from my account entirely as if no late fees were ever charged. Late fees should never have been charged. This process has been so frustrating.
Consumer complaint received 2024-10-14
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. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Credit Reporting Agency , block information appearing on my consumer credit report that is the result of Identity Theft and Fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of two personal credit card accounts opened at XXXX XXXX on XX/XX/year>, Acct # XXXX with a balance of {$1400.00}, and XXXX XXXX  opened on XX/XX/year> Acct # XXXX with a balance of {$730.00}, both aforementioned accounts have resulted in charge-offs being reported on my consumer XXXX Credit Reports. One other fraudulent account opened at XXXX the transportation solution opened on XX/XX/year> Acct # XXXX in collections XXXX XXXX XXXX XXXX with a high balance of {$4000.00}. These accounts have resulted in several fraudulent hard inquiries, fraudulent charge-offs and collections appearing on my consumer XXXX Credit Reports. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the above fraudulent items. I do not recognize the above accounts, collections, charge-offs, or hard inquiries as reported. The above accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint Case # XXXX as proof from the US Federal Trade Commission that all the above consumer credit accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc. (NC)

This company is collecting on a balance that was waived by XXXX XXXX. They have called me and multiple family members trying collect money. They make me give my date of birth and social security number without talking. They said that they will keep calling until I pay. The last rep mocked me and said the company didnt waive anything and that I just didnt pay.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (FL)

THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance. I settled account for {$2000.00}, with XXXX XXXX XXXX XXXX. I spoke to someone at THE BUREAUS, and they said once it was settled they would delete it of all my credit reports.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

Below is the main body of the letter that I sent to American Express ( regarding the account ending XXXX ) on XX/XX/XXXX ; I have received no response from AMEX and have subsequently been hit with {$28.00} late fee. 

On XX/XX/XXXX I ordered 2 tickets for my wife & I on XXXX XXXX flying from XXXX to XXXX on Monday XX/XX/XXXX at a cost {$410.00}. I used our AMEX points to pay for those tickets. 

On the same date, AMEX travel charged an additional 168 tickets on the exact same flight at the exact same rate ( {$410.00} ), then simultaneously credited my account for 141 tickets at the same price ( {$410.00} ) such that I suddenly had a net charge of {$11000.00} for 27 tickets I did not order, tickets that were never issued, and tickets that were never used. 

After multiple phone calls, and two letters the following transactions/events occurred in my account : - On XX/XX/XXXX my account was credited with an airline refund of {$330.00} for ten ( 10 ) of the twenty-seven ( 27 ) tickets ; those credits were {$75.00} less than the charge associated with each of the tickets, for a total shortfall of {$750.00} for those XXXX tickets. 
- On XX/XX/XXXX my account received a {$750.00} credit from the AMEX travel agency ; I would assume that was meant to cover {$75.00} per ticket credit short fall from the airline. 
- On XX/XX/XXXX my account was credited with additional airline refunds of {$330.00} for the other XXXX ( 17 ) tickets ; those credits were also {$75.00} less than the charge associated with each of the XXXX tickets, for a total shortfall ( charge to the account ) of {$1200.00}. 
- There was no subsequent AMEX Travel Agency credit to offset the shortfall associated with the 17 credits. 
- In XXXX, after sending my first letter XXXX dated XX/XX/XXXX ) AMEXs Fraud Department issued me credits for the 27 tickets that I never bought at the {$410.00} price that aggregated to a total credit of {$11000.00} ; those credits along with the just mentioned shortfall of {$1200.00} resulted in my account showing ( incredulously ) a credit balance of {$9900.00}. 
- My second letter, explaining that there should be no credit balance, dated XX/XX/XXXX, resulting in the Fraud Department reversing all 27 credits for a net charge of {$11000.00}. 
- The net result of all these adjustments/transactions is that my account is showing a balance due of {$1200.00} XXXX which equals the shortfall associated with the 17 tickets that received the {$330.00} credits on XX/XX/XXXX ). 

That balance is wrong ; it is associated with tickets I never ordered or bought. The balance on my account should be XXXX.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020 i submitted a dispute letter to XXXX  in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays XXXX  recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Consumer complaint received 2023-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Lvnv account XXXX. Lvnv account XXXX. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. XXXX
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, 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. (VA)

I have some inquiries dating back to XX/XX/2021 from companies that are reporting to all XXXX Credit Bureaus that I do not recognize, nor do I have any open accounts with. 


XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WI)

Hi, It is my understanding that a debt collector must furnish a letter within XXXX days of contacting you. 

According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX days after receiving the notice, the debt collector will assume that the debt is valid. 

Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a XXXXday letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX times after the initial contact. 

I am XXXX and living on XXXX XXXX as my sole source of income.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Good Morning- Since XXXX my monthly mortgage has been {$720.00} every month with no changes until Shellpoint servicing took over this alone. Then it went up to {$930.00} due to forced lender insurance placed. Now that we have those charges lender placed insurance fees were refunded to my escrow, and an updated escrow analysis, my statement is showing that my monthly payment will be {$780.00} and that the escrow balance should be {$1100.00} ... when my XXXX property taxes were only {$460.00}. 
County Tax XXXX COUNTY {$460.00} XX/XX/XXXX XXXX According to the federal websites I am reading, Shellpoint should not be requiring more than 1/6 of a cushion in my escrow over what was actual due. 

There is no reasons my mortgage should continue to increase for another entire year and Shellpoint collect additional funds from my monthly payment to float in escrow that FAR exceeds my annuall property tax. My escrow should only be for property taxes and not other amounts of fees. 

They placed forced lender insurance after sending statements to the wrong address for months when I did indeed have insurance ... now it seems they are using the additional insurance fees in their escrow analysis calculations to increase my escrow unnecessarily. There has never been any lapse in any insurance coverage for my condo or through my HOA, so Shellpoint 's mistakes should not be used against me financially. Are they trying to increase my escrow to grain more capital? 

( 5 ) Cushion. The cushion must be no greater than one-sixth ( 1/6 ) of the estimated total annual disbursements from the escrow account. 

( ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in 1024.17 ( f ). 

Sincerely, XXXX XXXX property XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (IL)

The fair credit act XXXX XXXX XXXX, my acct # XXXX, violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

have been effected by COVID-19 due to lost of employment. I informed Schrony bank ( Pep-Boy ) of this information and still continued to make payment on account. My account closed when payments were being made. It is my understanding that creditors should not do anything negative to consumers credit during this pandemic for those who were affected. You used information reported during a Pandemic and not based on my paying history. Your closing my account with a remaining balance has cause a negative impact on my credit report. According to Schrony Bank, Information was given by XXXX XXXX that acccounts were reported negatively in XX/XX/2020. All negative items were disputed and corrected by other creditor and XXXX XXXX continue to report negative information against the Care Act Bill. after I provided information from the creditor showing negative information was being removed from credit report. This information was provided to to XXXX through previous CFPB complaint filed.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

In the accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (PA)

XX/XX/2020 I have been trying to link an online account so I am able to deposit money into my PNC checking account that I have had over 45 years the same account with PNC over 45 years the bank was first national city until bought out by PNC. I am unable to have this online lender link up with my PNC bank account which is completely unethical when I am the one who is trying to link this account so I am able to receive money through this Wonder so I can make some of my household bills and get a loan to do some household repairs and which I am unable to do because PNC Bank will not let me a link my account. I have personally called PNC Bank about 25 times this is about the fourth time I am doing this complaint this is completely ridiculous why am I not able to link my own bank account it's my account through PNC Bank this is completely ridiculous it's my account why am I not able to link my account when I'm the one who's authorizing this? Kiss somebody contact me please XXXX sincerely XXXX XXXX XXXX