davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hi I am a US educated but XXXX born XXXX. My husband and I have lived and studied in the US for over 15 years and have an excellent credit rating of XXXX as of the day that I report this. We are still in line for a physical XXXX XXXX because of the number of years it takes for XXXX born XXXX to receive a XXXX XXXX 

Over the years I have transitioned into practice ownership and my first XXXX XXXX was purchased in XXXX, followed by a second in XXXX. XXXX XXXX XXXX XXXX helped me with my loan. XXXX XXXX XXXX XXXX has now been acquired by XXXX. However, XXXX XXXX XXXX XXXX and my banker there were the only ones willing to help. 

It has been 6 years. I have a successful practice and I am ready to acquire a XXXX XXXX  This will help me contribute to financial growth, more employment and more patients success as well. I reached out to Provide, the practice finance wing of 5/3rd bank XXXX I filled out a prequalification online. This was on XXXX Once it got to the XXXX status, it halted the process there and said someone from provide will reach out for more information. 
XXXX XXXX, the representative from Provide reached out to me on XXXX at XXXXXXXX XXXX  The only question he asked me was if I had a physical XXXX XXXX. I told him the status of my XXXX XXXX process and that I was on an XXXX XXXX XXXX. No further questions were asked, he just said, " that would be a no-go for us, or for other lenders I know of and spoke to. I can provide you with third-party lenders ( unsecure lending ) ''. I thanked him for his time and let him know that was not needed, because I did not want to go with unsecured lending. I followed up with an email to him, advising him that this was against federal laws protecting immigrant entrepreneurs. It is important to note that I have not received any " Adverse action letter '' in email, although I requested for the same, that details the reason for the denial. 

The above issue has been consistent with several lenders through the years, except XXXX XXXX XXXX XXXX and XXXX. Its a huge morality killer, it feels like your education, prudent business skills or financial skills and being a good citizen all mean nothing, and that your XXXX status, even as a XXXX XXXX  is enough to curtail your growth. 

I am in my late XXXX. I will not have forever to use my education for the betterment of my patients, my team or my family. How is this even fair?
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Shellpoint has been taking an excess amount of escrow for property taxes. 

Despite my tax bill of {$2200.00} already having been paid in XX/XX/2023, they have retained {$22000.00} of my property tax money for XXXX. 

Here is a screenshot with all the numbers : XXXX XXXX XXXX I have asked for an escrow analysis and refund pursuant to Shellpoint 's own published policies. I requested it 6 times but they won't respond with any indication of when they will release our escrow funds. 

They are holding them past the date in their policy, which you can see here : XXXX XXXX XXXX I sent multiple messages on their system but they don't offer consumers a copy of the messages so I don't have the dates or message content. But they should have it. 

I also called multiple times and spoke to reps on a recorded line, and the reps said they'd ask for an escrow review -- but I never heard back. All I got were two letters saying the company is looking into my request. 

Thanks for your help. We need our money which is rightfully ours.
Consumer complaint received 2024-11-05
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. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

I received a forwarded notice via mail from XXXX XXXX XXXX XXXX back in mid XXXX. I responded via mail five different times disputing the account and asking for documents, yet received no response. I called XXXX XXXX, I gave them the notice information and explained that I was a XXXX XXXX XXXX XXXX for 13 weeks, and had visited their XXXX XXXX once in XXXX during working hours for a work related visit. However, I had insurance the entire time so there should be no bill. They said they had no record of an account associated with me so to ignore the notice. 

XX/XX/XXXX, there is a collection for an account from XXXX XXXX XXXX by California Business Bureau for {$8300.00}. I never received a notice from any creditor via mail, email, nor call, attempting to collect any debt or attempting to validate the debt before reporting it to the credit bureaus. XX/XX/XXXX, I dispute account via XXXX and it resulted in just a update but no documents were provided.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (AL)

The following account has been on my XXXX and XXXX credit reports for years : JPMCB - CARD SERVICE Acct # : XXXX Alleged date opened : XX/XX/2018 Alleged balance owed : {$2500.00} This account is not mine and needs to be removed from my consumer reports. I have requested the following information from JP Morgan Chase Bank for them to investigate the fraudulent account : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

6. The purchase agreement 7. Swear under penalty of perjury you were present during the alleged debt 8. Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers are correct 9. Master Bill Of Sale 10. Proof that the account number XXXX is 100 % accurate since this number was reported to my credit report. Anything account other than XXXX is not 100 % accurate and therefore would need to be removed from my credit report.
Consumer complaint received 2023-10-31
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)

I AM NOT LIABLE WITH THIS DEBT AND DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. I MAKE THIS REQUEST PURSUANT 15 U.S.C 1681i OF THE FAIR CREDIT REPORTING ACT 1997. DELETE THIS ACCOUNT WITH EXPERIAN, XXXX XXXX XXXX. 

ACCOUNT XXXX
Consumer complaint received 2024-10-07
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681a ( 2Xi ) and 12 CFR 1026.13.
Consumer complaint received 2024-10-07
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : number XXXX
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (CO)

Waypoint has a debt on my credit report XXXX $ When I called for a letter never came 3 months ago Called waypoint again and they want to change XXXX dollars months to get it of my credit this not a debt I owe it been on my credit for 4 years they said they dont know who the creditor is waypoint collection group Thank you
Consumer complaint received 2024-11-05
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)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-07
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. (NJ)

after looking over my Experian consumer report I've noticed that there is a collections account that doesn't belong to me but keeps reporting to my consumer report. The creditor that's reporting the debt obtained this debt from another third party company in which neither creditors had the proper consent to obtain my personal information and share any information about me to anyone else. I have no knowledge of the creditor that's currently reporting this account but yet they are reporting that I owe an alleged debt. how can I owe a debt if there isn't any proper agreements or approval? Experian is reporting this inaccurate information in which I asked them to thoroughly investigate my dispute and remove any account and information that doesn't belong to me.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

Since 2021 I have been having issues with XXXX sending me to collections based on a bill that wasnt even my fault. It was their fault and I shouldnt have to take the fault for it because of something that was failed to do on their part. In 2021 my phone was put on standby by XXXX meaning they didnt cancel the line when I asked them to, so therefore that made the bill keep going up without my knowledge, because here I am thinking that they did what I asked and canceled the line completely but that wasnt the case. I went to the local retail XXXX store and they told me by the looks of what they see on their computer is that XXXX actually owed me {$590.00} because the line was never canceled as I asked them to. The store told me to call XXXX customer service so I did and they told me that the XXXX amount that they were willing to give me back was {$300.00} credited to my XXXX account which I declined because for XXXX that wasnt the full amount that they owed me I was owed the {$590.00}, and XXXX because it was pointless for them to credit me anything for XXXX  because at that point in time I switched over to XXXX XXXX XXXX. They refused to just send me a check with all of the money that I was owed. It is very very unprofessional to make me suffer consequences for something that was messed up on the companys end. I did my part they didnt follow through with what they said that they were going to do and cancel the line. In result of all this they keep sending it to collections and it has been cause if my score to drop. It always comes back every year or every other year. I have dispute it with the credit bureaus XXXX XXXX, they give me my points back and then within about a year it shows back up on my credit Jefferson Capital Systems is the name that shows up and it says originator XXXX. Also Jefferson Capital or XXXX has never reached out to me through call, text, email nothing. They just send me to collections they arent even supposed to send me to collections to begin with but especially with no word of mouth I was told by XXXX that they arent suppose to do that. This time around I disputed it to XXXX and they had no issue giving me back my points, but XXXX XXXX give me back my points because they said I am the owner or the account which is correct but I am the owner of this account that has been falsely accused and scammed, all of the information is incorrect and needs to be fixed ASAP, please reach out to XXXX to get them to return my points and drop this collection off of my credit for good along with all the credit bureaus I dont want to see this again, very unprofessional! This is fraud and I need this collection to be dropped once and for all and I need all of my points back on my XXXX XXXX.
Consumer complaint received 2024-10-07
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. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, vio
lating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Made complete payment of XXXX $ and XXXX $ payment to XXXX XXXX XXXX XXXX And under 20 % utilization. 

In addition made a payment to XXXX XXXX XXXX XXXXXXXX XXXX XXXX $
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

[ ExperianXXXX ] Subject : Formal Dispute of Inaccurate Bankruptcy Information To Whom It May Concern, I am writing to dispute the inaccurate and incorrect bankruptcy information that is currently appearing on my credit report. Upon reviewing my report, I have found that there are multiple listings on my credit report regarding a current bankruptcy. This information is erroneous and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on credit reports. This bankruptcy entry is neither accurate nor complete, and its continued presence on my credit report is causing significant harm to my financial standing. 

I am formally requesting that you investigate this matter and remove the inaccurate bankruptcy information from my credit report without delay. Failure to correct this issue within the time period allowed by law ( 30 days ) will leave me no choice but to pursue legal action under the FCRA for willful non-compliance, including filing a civil suit to recover damages caused by this inaccurate reporting. 

Please confirm in writing that you have received this letter and have initiated an investigation to remove the inaccurate bankruptcy information from my file. I have attached copies of all relevant documents supporting my dispute, including a copy of my credit report with the incorrect information highlighted. 

Thank you for your prompt attention to this matter. I expect to hear from you within the legally required 30 days regarding the results of your investigation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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