davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
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: Diversified Consultants, Inc. (MI)

I NEVER HAD XXXX  AT MY ADDRESS AND THIS ACCOUNT WAS STARTED BY SOMEONE OTHER THAN MYSELF USING INFORMATION THEY PROBABLY OBTAINED FROM THE DOCUMENTATION AND IDENTITY AND CREDENTIALS THAT WERE IN MY VEHICLE THAT WAS AUCTIONED OFF. 

THIS WAS REPORTED TO AND UNDER INVESTIGATION BY THE UNITED STATES POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISIONS, MANAGER XXXX XXXX OF THE US POSTAL INSPECTION SERVICE AND POLICE. 

THIS ACCOUNT WAS REPORTED OPENED ON XX/XX/2018 ON XXXX CREDIT REPORT # XXXX, WHICH IS VERY UNLIKELY TO BE ME WHO OPENED THE ACCOUNT AS I WAS NOT EVEN IN THE UNITED STATES DURING THAT TIME. 

AS SUCH, PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT IS HURTING MY ABILITY TO APPLY FOR CREDIT PRODUCTS AND EMPLOYMENT WITH THIS COLLECTION ITEM SHOWING ON MY CREDIT REPORT. 

A COMPLAINT ABOUT INACCURATE REPORTING HAS BEEN FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU REGARDING XXXX  AND DIVERSIFIED CONSULTANTS INC.
Consumer complaint received 2018-10-15
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. (IL)

Dear CFPB, Last year I received a bill from XXXX. However, I never signed a contract with them. A while after I checked my credit report and an address was found. This was an address I was never familiar with. I reported this dispute last to Experian, not much was done. Please respond to the earliest convenience. I can be reached in the early evening XXXX. 
Thank you again.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KS)

While reviewing my credit file, I notated that Experian was reporting a bankruptcy on my credit report. I quickly notated down all the account information and requested verification of how they acquired such information as factual. They verified in a letter stating they received such information from a Public Record Vendor. I requested in writing who such vendor was. They first responded through the courts. In response i wrote the Bankruptcy court they claimed to have for the information from. The court responded that they do not communicate with the company ( was sent on letter, please see attached ). I then sent that to Experian and they now claimed they received the information through a third party vendor called XXXX. I then reached out to XXXX and they investigated it and found it not factual and removed it from their record and also sent a letter to Experian multiple times saying it is removed and to remove it ( please see attached ). I also took it upon myself to contact PACER, another third party vendor and they also verified they do not provide any information to Experian. Im filing this complaint and requesting assistance with deletion due to the fact that as soon as Ive been able to show that the agency they are claiming to use, can not verify, they quickly change their story and refuse to provide hard copy proof of their reports. Ive attached some information and files for review. I appreciate your assistance in this important information. Information blacked out is all my personal information.
Consumer complaint received 2021-12-07
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. (PA)

Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAINE & WEINER COMPANY, INC. (CA)

ex landlord illegally sent my name and 6 others to a collection agency because he is a habitual serial litigant, and his court order was denied. Next scheme, tally up what you can without anyone knowledge, hire the collection agency ( Caine and Weiner ) without judgement or orders or receipts, reason : Eviction aftermath and Mayhem. He XXXX XXXX Owner of XXXX XXXX XXXX XXXX. filed an eviction, the month after i left yet still sent me and 6 others demanded {$38000.00} after red tape no retrieval of those documents, ( XXXX ) as per collection lady, XXXX XXXX they finally after months of dispute and request for the docs. Manager Mr. XXXX said case is closed, can't assist! Why did agency work with this man who illegally did this to me? XXXX, i will have to get the sheriff out, he won't release to me either!! i don't need them now, but i keep for proof. 
I have forwarded my horrible situation to the Attrny General, city DA, DCFB, XXXX.
Consumer complaint received 2021-01-06
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. (TN)

I spoke with a representative at XXXX  to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.
Consumer complaint received 2021-12-07
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: U.S. BANCORP (OK)

creidt card was on my credit report thats not mine when i called the company to discuss this with them they had address that i have lived sence i was XXXX a bad cell phone number and landline attched to an address that i lived at durring the time that this account was opened
Consumer complaint received 2018-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my TRANSUNION credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I opened Bank of America XXXX XXXX Banking Account after seeing an account opening bonus of {$100.00} online. Below are the bonus terms. 

I completed all the requirements but have not received the bonus yet. I called Bank of America. They told me that the offer was not valid, and they never had such offer. They were not willing to try other ways to fulfill the terms. 

Terms details : Open a Bank of America XXXX XXXX Banking XXXX Bank of America XXXX XXXX Banking XXXX Bank of America XXXX XXXX Banking checking account online. Use the code XXXX when enrolling. XXXX {$25.00} to open an Advantage SafeBalance account or {$100.00} to open an Advantage Plus or Advantage Relationship account. Receive qualifying direct deposits of at least {$1000.00} within the first 90 days of owning the account. Your account must be open and in good standing to receive the bonus. Additional terms and conditions apply. See offer page for more details.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC (CA)

I informed the company that this isnt my debt and this is negatively impacting my credit. They failed to validate the debt and the credit bureau wont let me dispute it anymore. They failed to show me anything stating that I owed them with my signature. I called the company and asked to come to mutual agreement as it is not mines but I need it off immediately so that me and my children can move. The representative stated they will submit to credit bureau for deletion. Today I found out they just updated it which was not -greed. They could listen to their alleged recording line. They stated they only delete if paid in full which was not disclosed to me until after I paid.
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-14
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: National Credit Systems,Inc. (GA)

THE ACCOUNT LISTED FOR A APARTMENT LEASE IS A FRAUDULENT ACCOUNT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN A LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE A CRIMANAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX CRA &. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-08-28
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: Byrider Franchising, LLC (IL)

On XX/XX/XXXX i received a notification from my credit card company as well as XXXX XXXX that a " Hard Inquiry '' was done on my credit report. It's been almost 4 years since i purchased a car from the CNAC finance company and since I've worked with them i have not authorized the company to pull my credit report to purchase a new vehicle. 

I called into CNAC and they have no knowledge of anyone pulling my credit report and said that they would need my authorization to access my credit. 

The hard inquiry has lowered my credit score and i have not been able to get an answer as to why a credit check was done without my permission.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have a Mortgage that was transferred to Mr. Cooper on an investment property. 
I decided to call and to request ( I was very clear about this ) either a HELOC or a refinancing in order to make a cash out. 
I was transferred to an agent, his name is XXXX, he asked several questions in order to understand my needs, the status of the house, I was very clear it is an investment property and I also disclosed the rental income on the referenced property. 
A couple of days later, the agent called me back to give me the " good news '' on a new mortgage for the property. When I said " Hold on, I told you I need a cash out, I am not looking just to refinance this mortgage for the same amount '' he admitted it was his mistake, he said he forgot about our conversation and he asked me for more time to review the available options. 
A week later, he called back and said that they do not offer what I am looking for on an investment property. 
Obviously, he made an inquire on both, ran both my wife and my own credit report, when he could never even offer me the refinancing on an investment property that I was very clear from the beginning that I was looking for.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

It amazes me that banks/deposit institutions can charge for overdrafts that could represent over 100 % of the actual overdraft. 
If you overdraft by {$37.00} at Citizens Bank, you will be charged {$37.00}. What is the equity of that scenario? There is none. 

My recommendation is for there to be an established a percentage of overdraft for allowable fees up to and including the standard full overdraft charge. 
So a bank could charge 25 % of the overdraft up to their {$37.00} or whatever the standard may be. 

Currently ; If you overdraft $ XXXX.you will be charged {$37.00}. If you overdraft $ XXXXyou will be charged {$37.00}. Makes no sense. 

Make sense? Youre welcome.
Consumer complaint received 2018-04-15
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: EQUIFAX, INC. (FL)

EQUIFAX XX/XX/2018 File # XXXX XXXX XXXX gave me a copy Record of Application The name on the application does not match my name. The application had a different middle initial than mine. I gave EQUIFAX a copy of application that XXXX XXXX gave me. EQUIFAX have been given proof that the account is not mine and still will not take it of my credit report..
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

" MULTIPLE PROBLEMS WITH A CITIBANK , N.A . IN U.S.A. AND IN THE XXXX. ". I HAD BEEN TOURING AS A RETURN RESIDE T IN XXXX WHEN I LOST POSSESSION OF MY CITIBANK BEBIT MASTERCARD IN XX/XX/2018. ON XX/XX/2018 ;. I REPORTED TO THE CITIBANK RESOLUTION FOR ESCALTION TEAM TO TAKE INTO CONSIDERATION, MAILING MY LOST ITEM ( PERSONAL BANKING CARD ) REPLACEMENT FOR MY IMMEDIATE HELP. IT NEVER HAPPENED. MANY PROMISES WERE MADE AS I AWAITED IN ONE HOTEL FOR IT WAS MAILED ACCORDING TO CITIBANKING AGENT ;. THEN IT WAS RETURNED ACCORDING TO ANOTHER AGENTS BECAUSE  OF LACK OF ZIP CODING AND ISSUES FINDING THE HOTEL, 'A PLACE OF BUSINESS IN XXXX TRANSACTING EVEN OVERSEAS WITH XXXX MAIL SERVICES, ETC. ". 
" I KEPT IN CONSTANT CONTACT WITH CITIBANK BECAUSE I HAD THE INTENTION IF RESIDING IN XXXX, XXXX XXXX OF THE XXXX AND WAS UNABLE TO FIND A SUITABLE HOME FOR RENT OR PURCHASE ;. IF CONSIDERED WITHOUT ACCESS TO MY FINANCIAL INSTITUTION AND CITIBANK 'S PERDONAL ACCOUNT FUNDS. '' " I HAD NOT BEEN SUCESSFUL WITH USE OF ONLY A DEBIT CARD FROM ANOTHER DEPOSIT ACCOUNT ''. " ANOTHER OBDTACLE WAS THE FACT THAT I HAD NO ACCESS TO STORE MY " XXXX  '' AT ANY FAMILIES HOME THEY WERE ALWAYS KEPT AT THE XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX. '' " I HAVE NOW RETURNED TO YHE UNITED STATES WITH NEEDS OF ACCESSING MY FUNDS FROM CITIBANK LOCAL FINANCIAL INSTITUTION ''. 
". AT THIS TIME, ALL I HAVE BEEN ADVISED BY AN EXPORT MANAGER IS THAT MY HOUSEHOLD GOODS " HHG '' ARE IN THE U.S.A. IT IS UNDER THE CONTROL OF A BROKER COMPANY, XXXX XXXX XXXX And XXXX XXXXXXXX XXXX XXXXXXXX. ". I AM BEING REQUESTED TO MAKE PAYMENT BY BANK ACCOUNT ONLY BUT HAD NO ACCOUNT TO DRAWN ON. NONETHELESS, I OPENED AN ACCOUNT WITH ANOTHER FINANCIAL INSTITUTION CALLED XXXX XXXX. HOWEVER, THIS ACCOUNT IS NOT EXACTLY ACCESSIBLE TO ME AS MY DEBIT CARD WAS CLOSED. FUTHERMORE, IT IS UNDERGOING REVIEW AS A RESULT OF UNK. REASONS. '' 1 ) " CITIBANK HAS NO FINANCIAL INSTITUTIONS IN THE STATES OF MISSISSIPPI AND TEXAS, currently ONLY ATM outlets ''. 
2 ) " CITIBANK HAS ALSO REFUSED TO ALLOW THE REISSUANCE OF A NEW BANK CARD TO MY CURRENT ADDRESS IN THE U.S.A. '' 3 ). " I WAS TOLD THAT I MUST RETURN TO ANY UNITED STATES OF AMERICA FOR IDENTIFICATION PURPOSES. I ASKED IF ANY OF THE 50 U.S.A. STATES WOULD DO, AND YES I WAS TOLD. '' " THESE ARE THE REASONS THAT I NEED IMMEDIATE ACCESS TO MY PERSONAL CHECKINGS ACCOUNTS WITH CITIBANK TO OBTAIN MY FUNDS.
Consumer complaint received 2021-12-07
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. ()

My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST XXXX. XXXX.
Consumer complaint received 2020-12-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CT)

On XX/XX/XXXX I submitted a complaint to complaint.consumerfinance.gov with complaint # XXXX stating that my Leasing company Hyundai Motor finance is XXXX ) Harassing by incorrect credit reporting 2 ) Holding up my Tax refund from XXXX, XXXX county Post complaint, The leasing company and credit union corrected the credit reporting, however on the subject of Tax abatement and refund : - On XX/XX/XXXX the leasing company stated that they had applied for an abatement with XXXX County on XX/XX/XXXX, but has yet to receive a response. Should an abatement be processed, any refunded payment would be sent. 

Till today on XX/XX/XXXX, I have not received any update from the leasing company for my tax credit. 

Upon inquiry, XXXX county tax collector office stated that the letter, they received from the leasing company, requesting the adjustment is dated XX/XX/XXXX so they are not sure why they would claim it was sent in on XX/XX/XXXX. 
They also stated that the refund letter that is required to be signed and remitted was mailed out to the leasing company on XX/XX/XXXX. XXXX Tax collector office is yet to receive it back from Hyundai Motor finance, which is causing the hold up. 

In their earlier response to consumerfinance on XX/XX/XXXX, the leasing company : - 1 ) Had lied that they had filed for abatement on XX/XX/XXXX. 
2 ) Had lied that they did not receive any response from XXXX county tax collector office. 

My previous complaint to consumerfinance was closed without any action/help, and very conveniently, the leasing company, willfully, did not cooperate with tax abatement, in retaliation to my complaint. 

If consumerfinance would take no action, why do such institutions exist?
Consumer complaint received 2021-12-07
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. ()

My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST XXXX. XXXX.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Receive notification from a different organization that I have an outstanding debt with Bank of America that posted on my credit bureau report. Account : Bank of America # XXXX. I went to several branches to validate if I have an account or not. The branch managers searched for my account. I am not able to dispute the account with the credit bureau 's because the account was opened in XXXX and last payment posted was in XXXX. I check all 3 credit bureau agencies and currently the account is not on my credit bureau report.
Consumer complaint received 2020-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I went to jail XX/XX/2017 while inconserated I wrote them and call to make payment I was behind only 2 months by time I got in touch with them they failed to except payment said they can't take payments after 3months but it was only 2months then forced me in to modify my loan which wasn't my fault it went from over XXXX XXXX to XXXX I sold house and they say I still owe I don't understand how nor did I plus I was paying them up until I sold and they cashed a check that they received
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WA)

I received a bill from American Coradius International ( ACI ) in the mail a couple weeks ago for {$45.00} ( but said they were willing to settle for {$34.00} ) to collect a debt on my XXXX account. I called XXXX, and they said I have a long history of being in good standing with them, and that I owe nothing. Furthermore, they said if I did have a debt, they would use my email address for communication, and not send anything to a 3rd party debt collector. They told me the letter I received was fraudulent and to  disregard it. I have already filed a claim with the XXXX  as well. There are hundreds of fraud/ phishing complaints about ACI on the internet, and I am curious if they are true.