davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

I am elderly and this is very difficult for me and endangers my financial situation. 

they placed forced place insurance. 

I provided/ uploaded my new insurance. 

They are still charging me for forced placed insurance. 

I called UWW loan servicing and after going through all the identifying prompts and re-stating info when i spoke to someone, they told me they had to connect me with another company that handles insurance. 

I went through all the prompts and identifying things again and went through their phone mail tree endlessly, finally the recording said, " we can not complete your call at this time, please call back to the XXXX #. '' This is horrible treatment of anyone, especially an elderly person who has more difficulty with all these voicemail prompts, etc. I am trying to do the right thing and make my payments and insurance on time, and I am being hurt by UWM.

Please do not just accept the UWM 's explanation and please confirm with me before closing the case. 

I found an attorney who might help me with this and he said it sounds like elder abuse.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Dear XXXX XXXX, Equifax, and XXXX, There is information that on my consumer report that is inaccurate. I am requesting that the reporting of this information be deleted. Under 15 U.S. Code 1681 e ( B ) and 15 U.S. Code 1681 I ( 5 ). These accounts are in violation of not reporting 100 percent accurate. Please see attached credit report with items highlighted. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block deep transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice I look forward to your response. 

Thank You
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Well i was applying for a SBA loan i have my LLC and EIN number and they shot me down saying. We didnt let the score be the reason why i was denied Credit. And i have an insufficient personal credit files And how can i get any if banks like them never give a chance one even wrote try paying your bills and that shouldn't be for your kind where yall get these people from very petty. Smh
Consumer complaint received 2024-02-28
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: TD BANK US HOLDING COMPANY (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ACCOUNT : XXXX XXXX XXXX XXXXXX/XX/2024 NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Credit Services Inc. (FL)

There is a collection account from first credit services for a membership I did not sign up for from a company called XXXX XXXX. I requested for a contract from the company & they were unable to provide it Please remove all fraudulent collection accounts from my credit report
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX After reviewing my credit profile, this account is tremendously hurting my score. XXXX XXXX XXXX is still showing open when it has been paid and closed in entirety. They are also reporting an inaccurate balance and payment history amongst all XXXX bureaus which is in clear violation of federal law. They are violating my consumer rights by reporting false information to my credit report. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 This account needs to be deleted immediately
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (NJ)

XX/XX/2023 {>= $1,000,000} received adverse action letter. i responded back in red ink. i also noted to them that my application was a security collateral / interest from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have the right to credit. This is my security collateral i want to utilize. 
If i cant use my security this is security fraud. if i am declined where is my security interest? 
If i continuously declined i am suppose to get line of credit for the amount applied. 
I do not accept this offer. 

I responded with affidavit fact stating that they failed to follow federal laws .Their policy states they participate in federal equal credit opportunity act. They havent provided enough evidence on their decision. This is discrimination. I have the capacity to enter into a binding contract. i also stated that my application was rejected by either a general manger or system they have in place and that i demand a manual review or evidence that they have the authority according to Federal Laws and Regulations to deny me the right to credit or extend credit. The applications ask me question about my employment, my age ( DOB ), race, etc .... i have my rights according to Consumer Credit Act that prohibits creditors from denying any right, benefit, or privilege. I also told them don not ignore this notice they have 5 days to respond back certified mail if they do not respond their silence is validation the claim of discrimination against me Done in Good Faith ucc1-308 without prejudice all rights reserved by : XXXX, XXXX for XXXX XXXX XXXX ( without recourse ) they responded that they would continue with their decision of denying me an extension of my credit. 


XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Accounts & Advisers, Inc. (MN)

The debt collection account with Americsn Advisers is a fraudulent account, not my account and is the result of identity theft. American Advisers previous response to the CFPB stated they had XXXX unpaid medical bills for me and my child. I dont have no child or kids. The debt collection account is fraudulent and not my account. I am a victim of identity theft. American Advisers is trying to collect a debt from me thats not my debt or account and the account and debt is the result of identity theft.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (PA)

Capio is saying that I owe XXXX XXXX a debt. This is medical but they put it on my credit report which isnt supposed to happen. They keep calling at all hours of the day and get very angry and hostile when I try to explain that I had insurance during this time period. They dont want to bother listening to me or attempting to verify my truth. Ive asked to speak to managers and Ive never been provided with any. They always say theyll call back and never do. Id like this closed please
Consumer complaint received 2024-09-21
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. (SC)

The account and inquiries in question are unknown to me and do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized or made. The information provided on some of these account has been deleted from other credit bureaus, which raises concerns about the accuracy of the reported payment histories and the validity of these XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XX/XX/year>
Consumer complaint received 2024-08-08
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. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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: TD BANK US HOLDING COMPANY (TX)

I started looking to purchase a vehicle back in XXXX XXXX  while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX inquiry, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
XXXX weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : TD AUTO FINANCE Inquiry : XX/XX/2024JXXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry :XX/XX/2024 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry :XX/XX/2024JXXXX XXXX XXXX Inquiry :XX/XX/2024XXXX XXXX XXXX Inquiry : XX/XX/2024
Consumer complaint received 2023-11-07
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. (IL)

I requested that the bankruptcy be removed from my credit because the US BANKRUPTCY COURT does not report to the credit bureau. Both equifax an XXXX refused to remove the information stating the information is accurate. The information is not accurate because I resolved the debt myself an the bankruptcy was dismissed on top of the reporting issue.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged XXXX. {$3600.00} written XXXX. {$3400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX  XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$830.00} Status Account charged off. {$830.00} written off. {$830.00} past due as of XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount GR Holdings, LLC (DE)

In XXXX XXXX XXXX I contacted Goodleap about the damages done to the my roof. They claimed that they were only responsible for offering the finance and refused to fix my roof because the XXXX XXXX XXXX went out of business. I contacted GoodLeap several times and they refused to pay for the damages for a loan they financed! In addition, this company prevents customers from updating any payment information on their website as well as the records they have. It is very difficult to resolve this matter as I reached out to my state senator to address this matter. See attached document.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

I requested Paypal both by telephone and also via email to unlock the balance worth {$630.00}, which I received on XX/XX/XXXX from the company XXXX XXXX, a logistics company that compensated the previous payment for the loss of a package in transport. outside the United States. 
Paypal Inc is withholding this balance of {$630.00} improperly since I am not subject to taxes by the IRS because I am a non-resident alien and according to the law I am not required to have these withholdings made. For this purpose, on XX/XX/XXXX, I sent to paypal an email informing of this situation and sending the duly completed form W-8BEN, which the IRS has provided to certify my status as a non-resident alien and therefore not subject to tax withholding. 
Paypal Inc has ignored said certification and continues to improperly retain my funds worth : {$630.00} I have sent multiple emails and they tell me that I must wait 60 days for which after that period they will deduct a percentage of 24 % on the balance improperly and then they will release my funds, which is illegal under the tax law.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract 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 2023-07-12
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Caliber Home Loans, Inc. (GA)

company informed me that my sanitation bill ( solid waste acct. # XXXX XXXX XXXX, XXXX ) was a tax and they had a right to include it in my escrow. I paid my regular schedule payment and it was with-held as a partial payment and a late fee and late notice filed in XX/XX/XXXX with the credit bureaus and it dropped my credit score by XXXX points. XXXX XXXX Government returned my payment and advised that Caliber had informed them that, " they had the sole right of paying my solid waste payment ''. 
XX/XX/XXXX again they with-held my payment as partial after raising my escrow while I was challenging them reference nothing in my contract that they had purchased gave them the right to pay my solid waste bill ( garbage paid yearly ). 
They purchased my contract on XXXX from XXXX XXXX Bank. I had paid my garbage bill myself until year XXXX. Caliber attempted to force me to refi and I refused.
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

nelnet my current federal loan service claimed on their website that we could contact them to find out the payment history of the previous loan service if we could not find the history of payments in their documents tab. I emailed them almost a month ago and have yet to receive an answer! I also asked nelnet to provide the terms of my loan ( consolidated ) so I can find out when would the loan be automatically forgiven based on a 20 year or 25 year repayment ; nelenet never bothered to respond!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I have filed a dispute with ChexSystems regarding unauthorized inquiries and unverified information on my report. Despite the statutory requirement for completion within 30 days, it has now been 52 days without resolution. I demand immediate removal of the disputed items, as the investigation is considered over by law. Failure to comply may lead to legal action.
Consumer complaint received 2023-09-23
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. (NV)

I wanted to follow up regarding my recent update, as I've noticed that there hasn't been any deletion of items in response to my previous queries. I have sent multiple letters to the Credit Bureaus requesting removal, but unfortunately, they only removed items once, and I didn't see any significant improvements afterward. This has left me feeling a bit disheartened. I understand the importance of maintaining an accurate credit report, and I believe that the removal of these items is crucial for my financial well-being. I kindly request the removal of the following items from my credit reports : 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 Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-27
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. (NY)

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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.