davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (FL)

XXXX XXXX XXXX ID # XXXX ( XXXX ) XXXX XXXX The Loan Oficer ( XXXX XXXX XXXX under the license NMLS ID # XXXX, the person was rude, without professional ethics, I treat myself badly, does not answer calls, does not answer messages, does not answer emails, And the few times he returned calls, he did it late at night, he treats me like he's doing me a favor, two days before my closing, she left on vacation, she moved the closing date and never said anything, I found the information after looking for her everywhere, after finding with several buyers of the same project, it was the same behavior with all,
Consumer complaint received 2023-04-05
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureau. The inaccurate information about my inquiry is still on my report. Therefore, Experian/XXXX have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Inquiry Date XX/XX/2023
Consumer complaint received 2020-12-01
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: Bread Financial Holdings, Inc. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, COMENITYCB/XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-01
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. (NV)

These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information from my credit report.
Consumer complaint received 2021-04-15
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. (NJ)

I have tried to dispute these accounts in the past with experian with no success, they can not prove these accounts belong to me, or prove I am the person who opened these accounts, or provide any proof of ownership of these accounts. They do not belong to me, they belong to someone with a similiar name. Also they have to many names listed on my credit report, my legal name is XXXX XXXX, they have XXXX XXXX and they also have XXXX XXXX XXXX, there is 2 other XXXX XXXX XXXX in the state of NJ, I only go by XXXX XXXX, I had my driver license changed to reflect the changes. Below are the accounts I have disputed since XXXX of 2020, these accounts arent mine. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name there is also a collection that is on my credit report, the collection agency has never verified their legal right to this debt that they are trying to collect, also they have never verified the debt they are collecting on belongs to me, nor have I ever been sent proof, experian never provided evidence of their investigations or how they obtained this information. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2022-05-05
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. (NC)

On Friday, XX/XX/XXXX, I sent via United States Postal service a letter summarizing the inaccurate information on my credit report that is causing me to not be able to secure employment and subject to higher interest rates. I specifically delineated the items that were incorrect. As of today, XX/XX/XXXX, the items remain on my credit report and it is apparent that my request is being ignored. This is well beyond the 30 days that is and a violation of my rights under the Fair Credit Reporting Act. Therefore, I am formally filing a complaint with CFBP and with my Attorney General of North Carolina, XXXX XXXX. 

The following reporting information is incorrect : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Any assistance for the " little guy '' will be helpful as I am finding it difficult to deal with the large institutions
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

N accordance with the Fair Credit Reporting act XXXX XXXX Co # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the rights 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.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (ME)

I have a XXXX XXXX backed mortgage and my servicer is Shellpoint. I completed my trial payment plan over 40 days ago. I am waiting for the approval, terms and amount of my monthly payment and documents since then. When I contact Shellpoint they only tell me my account is in escalation. They will not give me a timeframe to approval of the loan modification or when the forms will be sent to me. My fear is that this is continued poor compliance of Shellpoint re. Federal guidlines for COVID loan modification and they intend to use this delay to again fraudulently report me to the credit bureaus as delinquent or attempt to foreclose on my home as they threatened in a letter sent to me when I started the trial payment plan. In this letter they advised me that foreclosure was imminent. I would like to put the financial instability from the pandemic behind us and resume my mortgage without threat of foreclosure of ruin of my credit score. Shellpoint needs to complete my loan mod and inform me of the terms and provide the documents so I may meet my end of the compliance of 30 days to returns the docs. 

I can provide the foreclosure notice if needed to prove that Shellpoint threatened this during a moratorium.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recieved a call that sounded like it was either a XXXX where your number is cold called. A man picked up and asked for me by name, stated he was calling about " personal business '', and refused to answer what this referred to. He tried 5 or so times to get me to verify personal information and gave sensitive information over the phone ( last 4 of my social security number and my birthdate ). He never indicated that the line was being recorded or that the call was an attempt to collect debt or that he was a debt collector. I refused to verify my information and hung up. ( The call took place around XXXX EST ) I called the phone number back and heard that it was for Portfolio debt recovery, asked for a manager to make a complaint, and was denied because I refused to identify my personal information. I spoke to a total of 3 people in both calls.
Consumer complaint received 2022-11-30
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: Affirm Holdings, Inc (ME)

Affirm is reporting I owe them money for an item that was financed through Affirm that was returned to XXXX XXXX. They are reporting on XXXX about a order a XXXX XXXX XXXX signed for. XXXX realized the error and returned the item to a XXXX XXXX will not let me state this on my credit, report Exploiting a minor. This exploitation happened in XXXX of 2018 .I guess Affirm, XXXX and the Consumer Protection Bureau contributes to XXXX XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orions Management Group, LLC (IN)

I tried to contact Orion Management Group, LLC On XX/XX/2021 to request pay for delete for my closed XXXX XXXX with XXXX XXXX  XXXX XXXX account where I had a balance of {$300.00}. I dialed XXXX and spoke with XXXX XXXX, who became very rude and obnoxious. Requesting my full social security number when I know this is not necessary to confirm my account. The rep deliberately hung up on me 3 times. This company has several complaints with the XXXX XXXX XXXX as being difficult to work with when trying to resolve their debt.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$890.00}, per the FCRA this is a violation, balance should be XXXX Payment Status : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Date Last Active : incorrect/ inaccurate Date of Last Payment : incomplete
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Equifax has deleted my credit history as of XX/XX/2020. I called Equifax on XX/XX/2020 at XXXX XXXX. ( XXXX ) XXXX and they had me to purchase a product on XX/XX/2020 for {$10.00}. The website is www.myservice.equifax.com I was told that was the only way I could check my credit report online. The site didn't work no longer than 15 mins. Only two of my credit items was on that report. Also, they've added over 10 inquiries that doesn't belongs to me. That happened on XX/XX/2020 as well. They didn't make me aware that my credit history had been part of the data breach. I believe this is why I'm having problems!
Consumer complaint received 2020-12-01
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: ALLY FINANCIAL INC. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. On XX/XX/2019, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

I sold the house that was in my name and my ex-husband ( Mortgage company : LoanDepot, XXXX XXXX XXXX, XXXX, NJ XXXX ) After closing XXXX XXXX, 2020, they suppossed to send me a check for the Escrow account that I paid ( over {$4000.00} ). I called them for two months and they said they sent to the wrong address so they will stop payment the check, issue a new one in both names ( my ex-husband and my name ) and send it to the new address. I called several times and they said that I will receive it soon. never received, called in XX/XX/XXXX and they said check was signed by my ex-husband and me ( My ex-husband forgery my signature and deposited the check in his account ). I requested the check or talk to a manager but they never let me talk to a manager neither send me the copy of the check. Today, XXXX XXXX, 2020, I called again and after 40 minutes waiting, I explained to XXXX ( from Customer Service ) and he said " a minute '' and hang up. 
I never received my escrow money, neither proof of cashed check.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dobberstein Law Firm, LLC (WI)

i paid a debt one time charge for my daughter and then XXXX XXXX XXXX, XXXX WI took the money out of my account 2 more times and I received overdraft fees ( which I never had OD fees in this account ) They told me they were going to reverse it and they have not. I tried to tell them what happened and they said they were going to reverse it and reimburse my od fees and they never did. 

XXXX XXXX XXXX
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

Spoke with a fraud representative and after completing the issue at hand I advised the representative that XXXX XXXX was reporting incorrect balance, the rep stated its not showing a balance but when I review my Equifax.com it shows a {$79.00} balance which has been paid 30 days ago from this date. Also this account causes my credit use to show over 30 % which reduces my credit score.
Consumer complaint received 2020-12-01
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. (FL)

I was contacted by The XXXX XXXX XXXX rep on XX/XX/10 and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.
Consumer complaint received 2021-10-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2020-12-01
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. (NV)

These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information from my credit report.
Consumer complaint received 2022-06-12
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. (OK)

I had a rent collections account show up on my credit report via XXXX XXXX XXXX from XXXX. I disputed this with Experian about XXXX years ago and after their investigation they removed this inaccurate collection. I recently applied to three different homes and was denied by all. After requesting my credit file, Experian XXXX  Bureau is still reporting this collection account. I called Experian several times with no help. This has caused XXXX new inquiries on my file, all which have ended in a denial and is further damaging my credit and chances of renting anywhere else. Not to mention I am now out of {$170.00} in application fees. To date this collection account is still being reported.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

I have been a Citibank customer since XXXX. I had XXXX ThankYou Points expired on XX/XX/XXXX, because I changed the products of my credit cards from Citi XXXX to Citi XXXX XXXX two months ago, and all the points accumulated through my spending on these credit cards expired in 60 days. It had taken more than three years to accumulate these XXXX ThankYou Points. I understand the terms and conditions of the ThankYou rewards program which state the accumulated ThankYou Points will expire in 60 days if I close the related accounts or transfer them to other Citi cards that are not able to accumulate ThankYou Points. However, I never close my Citi accounts, but I just transferred the cards to Citi XXXX XXXX that is indeed able to get cash back and then transfer to ThankYou Points at a $ 0.01:1 ratio, which I thought should be in the ThankYou account family. Therefore, I was totally not aware that my ThankYou Points would expire after I made the product changes. I think the terms and conditions of the ThankYou rewards program is misleading and confusing. Furthermore, I never receive any reminder or notification from Citibank that my ThankYou Points would expire soon. Actually, I did receive an email from Citibank on XX/XX/XXXXXXXX  right before the expiry date ( attached for your information ), which told me I could redeem my ThankYou Points in many ways, but it mentioned nothing about the expiration soon in two days through the whole email. In conclusion, I am very angry about the expiration of my ThankYou Points accumulated in the past three years, with the misleading T & C and without any reminder from Citibank.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (CA)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Consumer complaint received 2023-04-05
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. (SC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-01
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. (GA)

Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (OH)

About XX/XX/XXXX we ( my wife ) received an unsolicited offer through the mail from US Bank for their branded " ReliaCard '' debit card. The attached information included the explanation " The Colorado Department of Labor and Employment ( CDLE ) automatically issues a ReliaCard to every claimant who files for and is approved to receive unemployment benefits. '' We do not live in Colorado, she has never filed for unemployment in any state ever. We are of course concerned that someone is using her identity. However, because it came to our address in Ohio perhaps there is no identity issue. She did not " activate '' the card. Nevertheless, calling USBank numerous times and visiting their website has proven frustrating and fruitless. If this is simply a random offer to random persons to get their debit card into the marketplace, shame on them.