davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/2021.
Consumer complaint received 2017-11-02
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. (IN)

XXXX IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY XXXX AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Consumer complaint received 2023-03-26
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)

This company is reporting inaccurate information after many attempts to try to get this corrected the company has yet to respond to any of my information submitted to them. They are reporting inaccurate across all 3 bureas. Information needs to be removed from the credit report.
Consumer complaint received 2023-06-01
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting XXXX XXXXXXXX account # XXXX has violated my rights 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 that a consumer reporting agency can not furmish a account without my written instructions
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MS)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had an one time 30 days late payment on XX/XX/2015 and been making on time payments since then. I have called the company many times for a goodwill adjustment on that one time late payment. The company refused to work with me on this matter and was very rude to me.
Consumer complaint received 2018-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

To whom it may concern, I would like to escalate a matter that could be perceived as mortgage fraud by Shellpoint Mortgage Servicing. My property address of XXXX Florida was considered a Federal Disaster Area. I applied for a Forbearance Plan in XX/XX/XXXX with my previous servicing company XXXX XXXX Loans. The plan was accepted and put into action effective for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage payments. I have attached a copy of the modification documents in this email. 

Trial Modification Dates I was placed into a trial modification ( see attached modification documents by XXXX XXXX Loans ), and was told to make on time payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. You will see my attached payment history from XXXX XXXX Loans showing all payments were made on-time except the payment history excluded a payment I made on XX/XX/XXXX. You will see attached to this email proof of payment and XXXX XXXX Bank Statement proving that I made a payment on XX/XX/XXXX. 

Change in Service Company My loan was purchased by Shellpoint Mortgage Servicing from XXXX XXXX Loans in the middle of my modification. 

Credit Report Inaccuracies My credit is showing rolling 90 day late payments that must be removed. Florida Law states skipping a mortgage payment during a Federal Disaster Area Forbearance plan cant affect your credit. This situation has damaged my credit report badly. 

Consumer Financial Protection Bureau I am submitting my complaint for this matter to Shellpoint and this agency in hopes of an immediate resolution. I expect that my loan will be modified with my payments being added to the end of the loan, and I want my credit report cleaned up as well. 

You may respond by phone or email. I have left XXXX XXXX ( Rep for Shell Point ) several messages and written many emails, but she has refused to reply to me. My next course of action is a law suit for mortgage fraud and inaccurate credit reporting. I have provided all the evidence you should require to clear up this matter. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (AZ)

On XX/XX/2020, mortgage documents were executed with Lennar Mortgage/Lennar Homes , and I was deceived by the product and community promised by Lennar Mortgage/Lennar Homes . The Builder did not disclose red paint that would be painted throughout the community. The Builder did not disclose the Monument to be installed. the actions of Lennar Mortgage/Lennar Homes are depreciating our home value.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

i recently looked at my credit history and found that Portfolio Recovery associates, LLC is trying to recovery a debt that is not mine. I have disputed this online many times and they just keep putting it back on my credit. I do not owe this company anything and they are violating my rights to keep adding this to my credit history with new dates so that the statue of limitations keeps going for more years i have disputed this for at least 6 years.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have 2 banks XXXX XXXX that I owe {$2000.00} and Santander bank that I owe almost {$3000.00} that I cant be able to open an account someone used my id and social to obtain a debit and credit without my permission and I was told to pay it back to the bank when I haven't opened the account. I have a lot of fraud going on someone is using my information to open accounts and using my name to claim I did and I am responsible to pay back every penny. I also confronted it to the bank but they cant be able to help me. Please help how can I can go about doing so. thank you
Consumer complaint received 2024-03-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I sent out my dispute letter along with my CA ID and police report for identity theft to get XXXX XXXX XXXX ( XXXX ) disputed and removed off of my credit report because I have no knowledge of this account On XX/XX/XXXX the account was removed from my Experian and XXXX credit reports and on XX/XX/XXXX the account was added back on. I called Experian and XXXX requested another dispute and they refused to take any action and the account is still on my credit report. Id like this removed immediately because this is not my account and this stain on my credit file hinders my current education and job aspirations as well as identity.
Consumer complaint received 2023-03-16
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. (IL)

I recently obtained my credit report from each of the four major credit reporting agencies ; XXXX XXXX XXXXXXXX, experian and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (FL)

In short, I signed up for Chime when they had a promotion, promising {$250.00} in credit if you completed specific payroll transactions within a period of time. I completed the required steps, and waited for my credit, never received it, reached out and was given subpar, mediocre responses without any valid reason for why I did not get the credit. As a result I opted to file a complaint with CFPB. Chime has remained problematic in their lack of regard and response to this prior complaint, only stating the minimum to get CFPB off their back and not rectify their wrong. Please handle this with appropriate investigation into Chime 's problematic practices. I am attaching the transcript of the prior complaint and Chime 's responses which were utterly inadequate and have not resulted in any form of resolution.
Consumer complaint received 2023-05-17
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: JPMORGAN CHASE & CO. (MA)

In accordance with the fair credit reporting act XXXX  account XXXX card acct # XXXX and my Chase credit card acct # XXXX XXXX has violated my rights. And also my Chase credit card # 15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 : It is also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end of consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-17
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: Collection Management Holdings, LLC (CA)

I opened an account with XXXX XXXX via XXXX for a credit card in XXXX. My credit report shows that I missed or was late on a payment in XX/XX/XXXX and I have tried repeatedly on the phone through XXXX XXXX through and XXXX XXXX and at the latest as of today, on the phone with the supervisor to get that Corrected. I was never told in all my investigation that this was for my XXXX account and not my XXXX account. I am suggesting that XXXX XXXX has been unable to verify which card Ive been calling about and therefore that there is bank error in reporting. Ive never missed payments. My entire credit report shows zero late or missing payments. Other than this one that is allegedly reported. 

Today XXXX when I called the credit reporting division of XXXX XXXX who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and have asked to have it removed as I am current and have no other Late payments in my credit history.
Consumer complaint received 2023-06-14
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. (FL)

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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.
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I XXXX XXXX XXXX DO NOT NOR HAVE I EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX. 
XXXX XXXX XXXX Reported : XX/XX/2020 {$170.00} Needs Attention
Consumer complaint received 2022-02-20
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. (NY)

XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE NO TRANSACTIONS WITH THIS COMPANY. THIS IS CAUSING PAIN AND SUFFERING.
Consumer complaint received 2023-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have no idea about this account that was already charged off and I have not supplied proof under the doctrine of Estoppel by silence Engelhardt vs Gravens ( mo ) 281 sw 718,719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists!!!
Consumer complaint received 2023-03-16
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)

I submitted a letter to the Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, and XXXX XXXX  XXXX # XXXX have violated my rights. 

15 U.S.C 1681, section 602 A. States I have the right to privacy.

15 U.S.C 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an 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 for crimes that antedate 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.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have had my Social Security number and personal information stolen numerous times. 
Transunion is the only reporting agency that I have not been able to sign in or report. I think I have a credit freeze, but I am not sure because I could never get any information from them. When they were trying to identify me, they ask question from years ago that I don't remember. Who remembers every telephone number they have ever had.
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I have just entered escrow to sell my home and discovered that Citibank has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get Citibank to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

Citibank filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/XXXX )
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a charge account with Kohls which I use occasionally and always pay in full. Therefore I do not receive a bill every month. 

I also subscribe to a credit monitoring agency which notified me in XXXX that Kohls had reported a late payment. Since I had not received a bill since approximately XXXX, and did not recall charging anything I called Kohls. 

They informed me that a bill had been sent by mail in XXXX and returned. They made no attempt to contact me by email, even though they send me emails every day and still do to this day offering sales. I was also told that attempts had been made to call me by phone. When pressed they stated that the call was from a debt collector. I explained that my phone blocks such numbers. 

I asked that they send me the bill and that if it was mine I would pay. I did not receive anything. I called again on XX/XX/2018, and was assured that a bill would be sent, and the negative report removed from my credit report. 

Despite this assurance another negative report was filed and still have not received a copy of the alleged bill. 

I want them to ( a ) provide me with a bill if it exists ; ( b ) remove all negative reports from my credit report ; and, ( c ) remove any late fees
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (TX)

My account was put a hold on XX/XX/XXXX and they stated that the hold would be removed on XX/XX/XXXX and now they have extended the hold until XX/XX/XXXX. They keep charging the monthly service when I dont have access to the account and the account is already closed in their system.
Consumer complaint received 2020-02-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

To Whom It May Concern : On XX/XX/XXXX, we paid off our home mortgage with Lakeview Loan Services LLC. The amount due was wired through XXXX XXXX XXXX from our XXXX XXXX XXXX XXXX in XXXX Colorado. We never heard anything from Lakeview that the loan was paid in full. We just stopped receiving bills for our mortgage. 
In XX/XX/XXXX, I called the XXXX County Clerk and Recorder Office in XXXX, Colorado and asked if they had received evidence that our loan had been paid. They only had the lean we originated when we purchased the house. 
I then called Lakeview Loan Services on or about XX/XX/XXXX to ask about our loan and if it had been sent to our county or another county by mistake. They assured me that it had been released on XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX County Clerk and Recorder Office again and after checking again, nothing had been posted. 
I called Lakeview Loan Services again that day and she said it had not been sent, but would be sent that day, XX/XX/XXXX. 
In the first part of XXXX we received the Annual Tax and Interest Statement and a Customer Account Activity Statement. The Customer Account Activity Statement shows the payoff payment, but no XXXX   balance of the loan. 
So, XX/XX/XXXX, I called that XXXX County Clerk and Recorder again. Nothing has been received and posted. 
I called Lakeview Loan Services again and the woman I spoke to said that it should have gone out fifteen ( 15 ) days after it was paid in full. I asked them if they could send a new document, they could not answer or explain anything, the woman was silent, I finally just had had it, I felt like they didnt know what they were doing. 
It has been five months, I made several calls and finally someone gave me the number for the Consumer Financial Protection Bureau. I am hoping you can contact this company and resolve this issue. If my husband were to pass away, I could not sell the house. This is just wrong and Lakeview is doing absolutely nothing to correct the mistake they made. They have made no effort to contact us. 
Thank you for helping us out on this matter. I look forward to hearing from you soon. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

these items, and that the inaccurate items be deleted from my record. 
These accounts are showing on XXXX ; XXXX and Experian Item Number Company Name Account Number Comments 1. XXXX  XXXX XXXX XXXX XXXX 2. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX Charge Off 5. XXXX XXXX XXXX XXXX Charge Off 6. XXXX  XXXX XXXX  XXXX Charge Off 7. XXXX & XXXX XXXX XXXX