davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC (FL)

This is in response to closing complaint XXXX. Loan Depot 's response was a lie and I have the documentation to prove it. 

Through the HELOC application process I was very specific about my sole source of income being notes receivable from the sale of a business. And these notes receivable had begun less than 12 months ago. I was told by 3 different Loan Depot reps that this was acceptable for income. I was ultimately rejected for my loan because this form of income is actually not acceptable. 

There are two instances where Loan Depot has lied. First, I was informed in writing that my income was approved by underwriting on XX/XX/XXXX. I have attached the email from the Loan Depot loan officer stating this. A few days later they reversed their decision with no explanation to me. 

Secondly, In response to complaint XXXX, Loan Depot states : " In the substantive conversations with the three loan Depot representatives , the borrower informed them that he had on-going income from the sale of a previous business in the form of note receivable income. He did not, however, inform the representatives that he did not have a 12-month history of the note receivable income. '' That is a lie. I emailed the details of this notes receivable income to the rep collecting my documentation on XX/XX/XXXX. I have attached a screenshot of this email with the specified attachment, as well as the contract itself. The contract itself is dated XX/XX/XXXX which is less than 12 months, and the contract states payments will begin XX/XX/XXXX. It is very clearly spelled out. This is the only form of income I submitted. 

I have attached their response letter to the original complaint and highlighted the spot where they lied.
Consumer complaint received 2023-08-14
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2023-08-08
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. (TX)

EXPERIAN, XXXX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!
Consumer complaint received 2020-05-13
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. (CA)

Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.
Consumer complaint received 2018-03-29
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: Experian Information Solutions Inc. (CA)

I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXXXXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Upon the agreement of XX/XX/XXXX the company XXXX XXXX XXXX in connection with XXXX XXXX agreed to remove the negative information on the credit report as it was inaccurate. When I contacted their office on XX/XX/XXXX to advise that when I reviewed my credit report that they had placed the item back on my credit as a new debt, I was told I needed to contact XXXX XXXX directly. However XXXX XXXX XXXX is the XXXX to which I was working with directly. XXXX XXXX XXXX has stated that they no longer has the ability to assist me as the matter was settled and that I would need to contact XXXX XXXX however there is no record of XXXX XXXX. When I spoke with XXXX XXXX XXXX there claim is that they no longer have a relationship with XXXX XXXX and are unable to assist me. However because this is reporting on my report as a new debt it leads me to believe that there is fraud. XXXX XXXX XXXX has failed to do as agreed and I have been informed that they do not have a valid number for the company XXXX XXXX to remove the item from my credit report as I do not owe this debt.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I disputed a XXXX XXXX bankruptcy, and the credit bureaus said it was verified through XXXX XXXX. I called XXXX XXXX and they do not show that bankruptcy on my account/record at all.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (IL)

On XXXX, XXXX, XXXX, the XXXX XXXX XXXX XXXX ruled in my favor to rescind a contract to purchase XXXX XXXX XXXX XXXX whose checking account was with Chase. The order states the following : " Wherefore, default judgment is entered in favor of XXXX XXXX XXXX XXXX and against XXXX XXXX ; the XXXX Purchase Agreement dated XX/XX/XXXX, is.rescinded, the parties are returned to their pre-Stock purchase Agreemert status ''. 

I have notified Chase about this judgment and sent the judgment to them. As of yet, they have not complied with the Court Order to remove anything to do with this account from my credit record and return the account to XXXX XXXX. I have also filed a declaratory action against Chase  in XXXX XXXX Illinois due to their inaciton.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken (KS)

On XX/XX/2022, I transferred {$25000.00} to my Kraken Account via USD Wire through my financial institution, XXXX XXXX Bank. The wire instructions, provided when I entered the dollar amount I wanted to transfer to my Kraken account, was the wire needed to be initiated to XXXX Bank, to Payward Ventures , Inc. Also, the information stated that I needed to include a 'reference required ' which stated the code identified my deposit within my Kraken account. I signed off on the wire instructions that I provided to my bank and it included the code associated with my Kraken account. This information was included in the Beneficiary Reference ( XXXX characters ), with the spill over to the Originator to Beneficiary field ( XXXX characters ). When the wire did not post, I contacted Kraken and the email correspondence provided stated the " Public Account ID '' ( first time this terminology was used ), needed to be included in the Originator To Beneficiary field. This was the first time this information was stated. I initiated a wire on XX/XX/2022 for {$5400.00} to Kraken, I made use of the Beneficiary Reference ( XXXX characters ) with spillover to the Originator to Beneficiary field ( XXXX characters ) and the wire posted with no issues. I feel Kraken has unfair, deceptive practices for processing wires based on the instructions provided for initiating USD wires to consumer accounts on Kraken. Kraken has stated that this could take up-to XXXX days to resolve. I have tried to work with Kraken, their receiving bank MVB, and no one has been able to resolve the issue. I have asked to speak with management, the only solution they have provided is that they can send an email to their internal business units. This issue, if not resolved by Saturday, XX/XX/XXXX, will cause our business to miss out on a {$500000.00} business opportunity. I have been waiting over XXXX, on XX/XX/2022, for Kraken to XXXX. No resolution. I've asked for the money to be posted to my account ASAP or to be returned. Neither has happened and I've been told, this can take several days to resolve. I'm in the banking industry. It does not take several days to resolve an unpostable USD wire. If a wire is not able to be posted, it should be returned to the originating bank immediately. Kraken practices need to be investigated and fined for the deceptive practices on Consumers. 
I have a confirmed with XXXX Bank that my wire transfer has been posted into Payward Ventures, Inc. account. The XXXX confirmation number is XXXX.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (IN)

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with XXXX, Experian and now XXXX for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from XXXX previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on Experian and XXXX are not on XXXX, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (TX)

in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.C1681c. ( 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 ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-14
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)

This is XXXX XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-09-14
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. (FL)

In XXXX, an account was opened with XXXX XXXX. Sometime in early XXXX, the account first went delinquent. It subsequently went through multiple cycles of delinquency and current status until it was charged off in XXXX. In XXXX, payments toward settling the debt were initiated through a lawyer hired by XXXX XXXX. The debt was fully paid off in XX/XX/XXXX. 

Despite the original delinquency occurring over seven years ago, the account still appears on my credit report as of XX/XX/XXXX. A dispute was submitted to TransUnion to investigate and potentially remove this information. The dispute was marked as " resolved '' as of a recent date, but no significant changes were made to the account information, other than updating the remarks. TransUnion has kept the account on my credit report, which shows a payment history only going back to XX/XX/XXXX, marked as 60 days past due. XXXX XXXX has failed to furnish data predating XX/XX/XXXX despite multiple inquiries. 

Early XXXX : Account first went delinquent. 
XXXX : Account was charged off. 
XXXX : Started paying off the debt through a lawyer. 
XX/XX/XXXX : XXXX was fully paid. 
XX/XX/XXXX : Account still on the credit report despite being over 7 years from the original delinquency date. 
XX/XX/XXXX : Dispute submitted to TransUnion. 
XX/XX/XXXX : Dispute marked as " resolved, '' but only the remarks were updated. 

Initiated dispute with TransUnion. 
TransUnion marked the dispute as " resolved '' but only updated the remarks. 
XXXX XXXX failed to furnish complete data pre-dating XX/XX/XXXX. 

I urge the CFPB to investigate these actions taken by TransUnion and XXXX XXXX. Both companies have failed to uphold their responsibilities under the Fair Credit Reporting Act. TransUnion did not perform a proper investigation into my dispute, and XXXX XXXX has failed to furnish accurate data pertaining to the delinquent account.
Consumer complaint received 2023-09-14
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. (IL)

I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX  to XXXX and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be removed
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX to XXXX and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be removed
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (GA)

There is information that is on my credit report that is a result of identity theft. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this harmful information be blocked and deleted. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2023-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (SC)

I have been contacted constantly by the credit card company genesis card services I was told prior as of last month that they would stop calling. I however have received nothing but repetitive calls and excuses. This goes against the Fair debt collection protection act. This is harassment I don't care if you put me on the do not call list the damage is already done.
Consumer complaint received 2022-12-05
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. (TX)

FCRA violations : inquires not mine 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 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 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
Consumer complaint received 2023-09-14
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. (WI)

XXXX XXXX AND EXPERIAN HAS TRANSPIRED AGAINST ME TO REPORT INACCURATE INFORMATION ON MY CONSUMER FILE TO STOP MY XXXX GIVEN RIGHTS. 

ON XX/XX/2023 EXPERIAN POSTED A COLLECTION TO MY ACCOUNT WITHOUT MY WRITTEN CONSENT OR A VAILD BINDING CONTRACT. CONTRACT LAW HAS TO BE MUTUAL ASSENT AND CONSIDERATION ( VALUE ). 

EXPERIAN NEVER DID A PROPER INVESTIGATION TO SEE IF THE INFORMATION THEY ARE REPORTING IS ACCURATE. 

ARTICLE 1 SECTION 10 OF THE CONSTITUTION STANDS AS TRUE AN NOT JUST A MERE WRITING. BELOW I HAVE WRITTEN A NOTICE. PLEASE READ AND REMOVE IMMEDIATELY FROM MY CONSUMER PROFILE. 

THIS IS IDENTITY THEFT AND WITHOUT A BINDING CONTRACT AND WRITTEN CONSENT YOU HAVE NO RIGHTS TO POST INACCURATE INFORMATION ON MY CONSUMER PROFILE WITHOUT A VALID AGREEMENT BETWEEN THE COMPANY ( XXXX XXXX ) AND I.