davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
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)

These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX XXXX Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC (GA)

This debt is originated through leasing company XXXX XXXX XXXX XXXX XXXX. They explained the debt was sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and they advised my file # associated has outsourced this debt on a repeated basis and I continue to dispute this debt. 

I take pride in paying my bills and when I go the extreme levels as I have already exhausted to validate the debt within the 30 day timeframe from the initial demand letter I received from the original creditor ( s ), I can only expect a response from the creditor of my request which brings me even closer to my complaint about Nelson & Crews Associates, who represents themselves in directly as a law firm by telling its debtors that the account is in process and when ask what do you mean in process, they violate the UDAAP big time by stumbling and making up words to give false misleading statements and creating the perception that they have process a claim for law suit. In XXXX I advised this agency that hung up in my face on repeated occasions and after several attempts provided me their address information to send a complaint to their company of their harassing tactics and file a dispute this debt. 

XXXX rates this agency as a D+ and I truly understand why. My attorney is XXXX XXXX XXXX and Im forwarding her the complaint to assist me in filing suit against this collection agency. I would like the call recording I had today XX/XX/2020 with a Ms. XXXX who works I guess for this UDAAP processing department of Nelson and Crews and Associates. She advised the call to me was a courtesy call to follow up for my attorney information. I expressed to her same thing I said in XXXX when they harassed and Mis-represented their agency, XXXX XXXX XXXX ( assignee ) and sold by original creditor XXXX XXXX XXXX XXXX. The number they were calling is a cell phone XXXX and Im incurring charges from their calls and they must have me on a predictive dialed ( TCPA violation ) based on the number of calls and voice messages they were leaving me. I request to status the account dispute and please forward the documents to validate the debt. My attorney will be in contact with this agency and will send my request for validation to XXXX. 

Copy : ACA Attorney XXXX XXXX CFPB Secretary of the State of Texas
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEDERAL CREDIT UNION ( NFCU ) FAILED : to provide timely lending as they promised & accepted payment for. Their breach in timely service caused the delay in closing of my home purchase, which resulted in my emergency expenses, time demands for coordination, risk of loss of transaction, & risk of loss of earnest money payment. 

NFCU CLAIM : NFCUs untimely realization of the correct address of the property purportedly contributed to their late ordering of the appraisal. Further, the untimely departure of the NFCU employee handling my account may have been a contributing factor in their purported late recognition of the property address. 

NFCU CLAIMED SOURCE OF CONFUSION : NFCU received one courtesy copy of a document detailing my offer to purchase a house, however I did not win the bid to purchase that property. On a future date, I contracted to purchase a house & provided the sales CONTRACT signed by myself & the selling owner of the property. Numerous subsequent documents & emails with the ONLY house I ever contracted to purchase were provided to NFCU. Then I paid NFCU for the appraisal of the house.

COMMUNICATIONS : multiple verifiable emails, receipted document uploads, legally recorded conversations & phone calls completely prove complete notification of the property address.

LOSSES & GRIEVANCES : my losses are more extensive than this form allows for me to elaborate, but briefly, I incurred excess expense due to NFCUs delay : hotels, eating at restaurants, loss of other appliance transactions, loss non-work holiday days to accomplish moving tasks, the closing transaction, & house repairs, unutilized activated utilities, & more.

Multiple written requests for due relief have gone unanswered. Some acknowledged requests have been reported back to me incorrectly on subsequent conversations. I believe I have fully exhausted all direct means of coordinating an offset for their negligence.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX, I went to XXXX XXXX website to purchase a flight ( {$160.00} ) - I was invited to have my trip price offset by {$200.00} ( a statement credit ) If I was approved for an AMEX DELTA credit card - It stated that, after my credit, I would owe nothing. 

I took the bait - I was approved. Keep in mind I still need to purchase my flight! A prompt offered to give me my credit card number RIGHT NOW ( over the internet? ) and stated " If you'd like to make purchases online you can get your account number now or you can wait for your account card in the mail ''. 

I figured " I only want my flight and I don't want to lose the {$160.00} price so I will NOT go online and make purchases, that sounds unsafe anyways, lets just get that statement credit! '' So I selected " send card in mail '' Well I never had any opportunity to use the newly approved charge - there was no option to use the account for payment - I HAD to get the number online right then. One would expect that the approved card would be used for THIS current application. Why wouldn't it? They certainly CAN do that if they wanted to. This is desined to mislead. Trust me - it is. 

I used an existing AMEX account I have - I called AMEX- they said " too bad '' and LITERALLY told me " the account number pops up for a fraction of a second, we are sorry you did not get it ''. 

I would have to purchase another flight in order to get a statement credit-
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (IL)

I was put in XXXX XXXX buy XXXX XXXX bank for XXXX XX/XX/XXXX its impossible I live had a fraud alert on my credit since XXXX of XXXX to call me when anything is open in my name I would like this removed I owe nothing to XXXX XXXX my consumer Id with XXXX XXXX is XXXX
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (CA)

NetSpend authorized over 21 charges in XXXX over 88 minutes directly after my direct deposit. This was clearly an inside job of a NetSpend employee as the first phishing attempts occurred the same time of month my regular direct deposit occurs, always XXXX XXXX of the month. 
They refused to open a case with a case number while the requests were pending showing hold which further jeopardized my efforts to conform to their policy, report within 24 hours. 

Their call center is in XXXX. All my legal charges are in California, XXXX and only ever in XXXX out of America. 

Four to five charges from XXXX occurred per minute directly on the XXXX my paycheck direct deposit came in at XXXX XXXX with 5-6 companies repeatedly making charges. NetSpend provided the approval codes starting at XXXX, XXXX all the way consecutively through XXXX. Fraud of $ XXXX+ occurred and NetSpend made 0 efforts to warn me. These were all made in XXXX where I have never purchased online, I am born in California, have never been to XXXX and charges totaling $ XXXX+ were  taken from my checking account balance before I looked at my phone, my paycheck availability immediately was reduced {$2600.00} versus a Hold being placed. 

Card was cancelled within 2 hours of this. After cancellation, 10 hours later another 29 charges from the same criminal organizations in XXXX and charges below were placed on Hold and Pending by NetSpend.
Consumer complaint received 2019-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please note that the following companies ran unauthorized credit check on me, They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (WA)

I've kept intermittent contact to include ordering a replacement card w/ Comenity Bank , the credit service for XXXX XXXX , over the last several years. Most recent contact was XX/XX/2019 when I received a new card based on my request filed online. I found out today, XX/XX/2019, thru the credit monitoring service XXXX, that Comenity chose to close my account due to inactivity. The reported closure took place XX/XX/2019. When I called the company the telephone prompts did not indicate any account closure, however, when I spoke w/ a representative they'd informed me that they chose to close my account XX/XX/2019, and I'd need to reapply if I wanted to have an account with them. I'd been waiting for a financially wise opportunity to utilize the card and had not had the need in the last 4 years so I'd not made a purchase - but I did keep contact to keep the account considered active as per my state 's regulations cited in : XXXX XXXX XXXX   According to Comenity, simply corresponding with them was insufficient to establish activity and not have the account flagged as an abandoned account. This has cost me 4 years of credit history and a significant decrease to my credit. It is illegal in the state that governs me, Washington, which was also the state where I originally opened the account. I've not received any communication whatsoever from XXXX regarding the account closure. I was never informed formally that it was closed - it took me contacting them to find out they'd closed it. They refuse to re-open the account, forcing me to reapply which would further adversely impact my credit score ( renewed account inquiry ) and I do not believe I'd qualify to re-open the account at this time.
Consumer complaint received 2019-06-01
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. (GA)

This account XXXX XXXX BANK XXXX on my credit file doesn't belong to me. It has me listed as " AUTHORIZED USER ''. I did not authorize to be added as an authorize user. I have reached out to Experian to remove from my credit file, but it is still appearing on my file.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Upon requesting and viewing my credit file with Transunion ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Transunion ). Here are the errors that I need Transunion to correct. 

1. XXXX XXXX XX/XX/XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 

2. XXXX XX/XX/XXXX- This account is paid in full. 

3. XXXX XXXX XX/XX/XXXX- This is not my account. I have never done business with the company listed. 

4. XXXX XXXXl XX/XX/XXXX- This is not my account. I have never done business with the company listed.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NJ)

My mortgage was sold by XXXX to Specialized Loan Services in the midst of a refinance in XXXX of XXXX. We were informed by XXXX that we had a 60 day grace period after a loan had been transferred and that the refinance would be done in that time. So we didnt pay the XXXX mortgage. At the end of XXXX the loan was transferred back to XXXX. All was settled. In early XXXX I got a warning that my credit rating had dropped due to a delinquent account. Upon investigation I have found that Specialized Loan Services reported my account as delinquent as of XXXX of XXXX. I have contacted them 3 times and have not had a satisfactory reponse. This is the only negative mark, albeit incorrect, on my report and is dragging my credit down from the 800s to the 700s or below.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX  me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
Consumer complaint received 2019-06-01
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: EQUIFAX, INC. (FL)

Fraudulent inquiries are reporting on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-06-01
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: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2019-06-01
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. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2019-04-19
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: EQUIFAX, INC. (IL)

I was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX/XXXX XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXX. Inquiries : XXXX { XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX'./XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VT)

My Lease with XXXX XXXX  XXXX was up on XX/XX/XXXX. I was negotiating a new lease/purchase with the local XXXX dealer and told XXXX that. They said they noted it and then I began getting XXXX : XXXX calls from " XXXX '' which immediately asked for personal information i.e. DOB, Last four digits of SSN. Fearing a scam, I refused to give the info. Not being able to speak with me, they did not send me an invoice and instead reported me to the credit bureau as being delinquent, I have spent 2 and 1/2 hours on the phone today trying to resolve this ; I have paid the amounts that they said were due ( even though they did not send invoices ) and they refuse to correct the matter with the credit bureaus. 

By the way, I have never missed, or been late on any invoice I have received for 4 leased  cars : 2 from XXXX!
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

Experian has converted my police reports to XXXX numeric codes which then are sent to the debt collectors. The debt collectors are not receiving the detailed police investigation documentation to remove the accounts. Instead the accounts are coming back as 100 % verified and accurate which they are not and violate the rules under 609 for 100 % complete accuracy of the investigation. 

Detective XXXX XXXX XXXX XXXX XXXX Police has finalized the police reports the files are permanent and no additional police reports will be issued therefore I am requesting the CFPB to get involved in this matter. 

Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX
Consumer complaint received 2019-04-18
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I signed up for Lexington Law on XX/XX/XXXX to help repair my credit. On XX/XX/XXXX, I was informed by a friend of mine of a lawsuit between the CFPB and Lexington Law ( https : //www.consumerfinance.gov/about-us/newsroom/bureau-files-suit-against-lexington-law-pgx-holdings-and-related-entities/ ) and elected to go with a smaller company who gives you a lot more  individualized attention. 

After being informed of my 5 day right of rescission, I contacted Lexington Law via online chat to cancel my payments ( all I had paid so far was around {$15.00} for a credit report ). They were quite rude at the beginning ( transcript attached ), but after pressing, they said it had been canceled and I was sent a confirmation of cancelation. The email never came through, I pressed them multiple times and they kept saying it was sent but it never arrived.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (TX)

Certified letters were mailed to LVNV Funding and Resurgent Capital Services on XX/XX/2020 to validate or provide proof of the debt.