davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (LA)

I am writing to formally request the blocking and deletion of certain accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605C, and the guidance provided by the Consumer Financial Protection Bureau ( CFPB ) This request is being made due to my status as a victim of XXXX XXXX, specifically debt bondage, which is recognized under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I have a letter from an advocacy group assisting me, affirming my status as a victim of XXXX XXXX. These documents should meet the requirements laid out by the CFPB for the blocking of this information.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC (TX)

In XX/XX/year>, I discovered that Transworld Systems ( TSI ) had been sending emails claiming I owe a debt related to a XXXX XXXX account. These emails were found in my XXXX folder, and it appears that some XXXX have been accidentally deleted, as communications were sent weekly throughout XXXX. 

I have never heard of XXXX XXXX, and upon researching, I found that it was an electric company that went out of business in Texas following the winter storm a few years ago. Over the past XXXX years, I have only had accounts with XXXX service providers, neither of which is XXXX XXXX, and I do not have any outstanding balances with them. 

In XXXX, I attempted to contact TSI using the phone number provided in the emails but was unable to reach a live person. I created an account with TSI and immediately requested verification of the debt, but I never received a response. I made another request for proof of the debt in XXXX, which also went unanswered. On XX/XX/year>, TSI sent a settlement offer, but still failed to provide the requested verification.

A few minutes ago, I used their online dispute system to state that TSIs failure to verify the debt violates federal debt collection laws. I have no knowledge of this debt and am now concerned that my information may have been used to open a fraudulent account. 

I am requesting that Transworld Systems immediately provide proof that I owe a debt to XXXX XXXX, including a contract with either a digital or wet signature. If they can not provide this information, I demand that the account be immediately zeroed out and that all further communication cease. 

As a precaution, I have placed freezes on all three credit bureaus, as I am still uncertain if this alleged debt is the result of fraud due to a security breach.
Consumer complaint received 2024-08-17
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)

Re : Account Number : XXXX To Whom It May Concern : I am writing to dispute the XXXX XXXX XXXX, account number XXXX, listed on my credit report. I believe this account is fraudulent and does not belong to me. 

I have been informed by external debt collectors that all collection efforts on this account have ceased. As this account is not mine, it should not be appearing on my credit report. The continued reporting of this inaccurate information is causing harm to my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The FCRA requires that you investigate and correct or delete inaccurate, incomplete, or unverifiable information.
Consumer complaint received 2024-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Figure Technologies, Inc (FL)

I have been defrauded by heloc by overly inflating my property value and paid expensive origination fee then 3 months later suspended my heloc citing my property was significantly had declined in value. 

When I applied for a heloc loan on my residential property last XX/XX/2024 it was overly inflated up to {$420000.00} for a townhouse and was able to take a {$200000.00} line of credit causing me to pay an origination fee of {$5700.00} on which I paid after they deposited the lump sum money to my bank. I paid them back only keeping {$21000.00} to pay my personal loan and credit cards balance. 

XXXX months later which is XXXX of 2024 when I requested for another draw of {$17000.00} they suspended my heloc for the reason that the property value had significantly declined to {$270.00} XXXX. I felt devastated and distraught thinking that I had been scammed. They made a misrepresentation on the application for their gains. 

I'm not very knowledgeable regarding heloc and was not properly told/explained that once approved the whole amount will goes to your bank. I was not asking for a {$200000.00} loan. When I applied for XXXX at Figure lending took me XXXX minutes processing including checking my bank account, they did their appraisal thru artificial intelligence and got the property value of {$420000.00} that's why they give me a loan of {$200000.00} to access. I checked their property appraisal recently and found out that they did the wrong address and made me felt like it's all fraud. 
They had used XXXX appraisal to a commercial property adjacent yo where we lived. 

The issue and my complaint was - there is no significant decline of property value. 
The correct value of my property should be on the upper {$200000.00} like to XXXX XXXX I owed XXXX was expecting for a heloc of {$20000.00} or XXXX at least. 

I know for a fact that my property was never appraised to more than {$300000.00} In conclusion if they have appraised it properly there should be no decline of property value and I should not be paying a HIGH ORIGINATION FEE of {$5700.00}. 

Need help on what to do. I need to get some of my money back.
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I applied for a primary home mortgage with Citibank for {$1.00} XXXX, with a scheduled closing date of XX/XX/year>. 

The loan was conditionally approved by Citibank 's underwriter on XX/XX/year>, just seven days before closing, contingent upon fulfilling a few conditions. I promptly met all these conditions by providing the required documents. 

However, on the day of closing, XX/XX/year>, after all requested documentation was provided, Citibank 's underwriter reversed the decision, alleging that my loan no longer qualified as a primary home mortgage. The underwriter accused me of withholding key information regarding a separate property I had purchased with cash on XX/XX/year>, and claimed I did not disclose this during the loan process. 

These allegations are completely false and damaging. I provided the information via email with explicit mention of the purchase being made using cash and held under an XXXX on XX/XX/year>. Later, as Citibank requested further explanation, I explicitly clarified that this was an investment property and that it was currently in distressed condition and not livable as a primary home. On XX/XX/XXXX and XX/XX/XXXX, I provided a signed letter explaining the situation along with photos of the property 's conditions as further evidence. 

Citibanks conduct throughout this process has been unacceptable. Despite having 30 days to process and evaluate my loan application, Citibank waited until the day of closing, XX/XX/year>, to notify me of this drastic change after a conditional approval, leaving me with no time or recourse to address the issue. The claim that I withheld key information about the cash purchase of a separate property on XX/XX/year>, is completely unfounded, as I had disclosed this information upfront on XX/XX/year>, and provided additional details as requested by Citibank. Despite providing clear evidence, including proof that my current residence had been rented out with a signed lease and proof of rent payment, Citibank unreasonably determined that my new property did not qualify as a primary home. The reversal of the conditional approval on the very day of closing is particularly egregious, as it left me with no option but to face significant financial losses and the potential loss of shelter. 

This abrupt and unfounded reversal of the loan decision has caused immense stress and significant financial damage. I was fully prepared to move into the new home, and my current residence had already been rented out. Now, the seller of the new property is demanding penalty fees due to the missed closing date and has issued a demand letter to close within 3 days. If the transaction does not close in time, I stand to forfeit my earnest money deposit of {$45000.00}. This situation has left me facing the potential loss of shelter and additional financial burdens.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (NY)

I am writing to formally dispute XXXX unauthorized hard inquiries that have recently appeared on my credit report. After a thorough review of my credit history, I have identified the inquiries, which I did not authorize.
Consumer complaint received 2024-11-02
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: Experian Information Solutions Inc. (NY)

I am writing to formally dispute unauthorized inquiries on my credit report. upon reviewing my credit report i noticed several inquiries that i did not authorize the following are : Reporting on Experian 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-02
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. (GA)

HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-02
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : PAID OFF I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Charge Off : XX/XX/year> Amount : PAID OFF I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

15 USC 1681 eb A charge off is considered ordinary income. A 1099c which means this is an inaccurate account furnishing on my credit report. It is canceled debt. The company filed it on there taxes, but also reporting it on my credit report as debt. If a charge off is reporting as original income how is it reporting on my report as debt. This is a violation of 15 USC 1681 ( EB ) this speaks on maximum accuracy on the consumer report. Also how are you going to collect interest on a debt thats paid off
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (TX)

I recently received an email from a third-party collections entity, Jefferson Capital , LLC , claiming ownership of the debt associated with two credit cards. My immediate response was to send them a request to provide me with a verification letter concerning the debt, which should be sent to my home address by mail. 

To date, I have not received any correspondence, and thus, I take the liberty of sending this email as a follow-up in respect of the delay. Upon my review of my credit report, I was alarmed to see that it reports the collection as a derogatory account, which significantly hurts my credit score. 

The e-mail communications indicate the history of subjects covered, concerning the XXXX XXXX issued by XXXX XXXX  and XXXX XXXX issued by XXXX XXXX XXXX XXXX, respectively, each with its reference number. 

Jefferson Capital will not do collections while a debt is under verification and my account is not, therefore, currently reported to the credit bureaus ; hence this statement adds an even bigger question mark on the validity of their statements.
Consumer complaint received 2024-08-26
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (LA)

I XXXX XXXX XXXX, had negative and false and misleading information reported to my consumer reports all 3 including XXXX XXXX and XXXX by Jefferson capital systems on XX/XX/2024 for and alleged debt of {$900.00} which significantly damaged my credit, on a collection of an alleged debt by XXXX, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that 3rd party had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 1. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue with trail by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc 1-202 upon this notice you have been notified
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I paid off my account last month XX/XX/XXXX and when I paid off the account, I was told by a collection representative that the account will be deleted upon paying. When the account was not deleted i reached out to see why not and a representative told me that they dont delete tradelines from credit reports. The first person I spoke to gave me false information. Please delete this account from my credit report asap or I will sue this company.