davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX  XX/XX/XXXX now
Consumer complaint received 2022-03-16
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. (TX)

I have repeatedly requested the permissible permission from Experian and XXXX XXXX XXXX XXXX ( XXXX ) used to access my credit report in XX/XX/2017. Experian send request to XXXX and XXXX ignores, refuses, and label my complaints as duplicate. Experian and XXXX play games to the benefit to avoid liability and responsibility.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/2023, I received physical mail from " Comenity Bank '' located in XXXX, OH. The letter requested me to call this bank to finish processing my " THE SPORTMAN 'S GUIDE VISA credit card account application ''. I never applied for this credit card, have no affiliations with this bank, and don't even have an interest in hunting. I was a victim of identity theft involving significant circumstances within the past 5 years. I did not contact this bank due to the printed information ( physical address, number ) conflicting with online information. I have contact my identity theft monitoring service ( in place since my first theft ) to begin disputing this issue.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello. A few months ago I tried opening a new checking account at my bank but was denied due to an item for collections that I was unaware of and has been negatively impacting my credit score for the last 5 years. Apparently a company named XXXX XXXX is claiming I owe {$500.00} on an old account that hasn't been used since XXXX. However, I distinctly remember paying all of the bills in full for the TV/internet service that was provided to me. There was a situation about a year into the contract where the XXXX XXXX service we were paying for stopped working completely. I called the company multiple times to inform them that my XXXX XXXX was no longer working, and every time they told me somebody would be showing up to fix it- which never happened. I would like for this issue to be resolved and for this item for collections to be removed from my credit report.
Consumer complaint received 2022-03-16
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. (MD)

Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, Experian, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.
Consumer complaint received 2022-03-16
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. (MD)

Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, XXXX, and Transunion we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

For recording keeping, this is my XXXX letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my credit score My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below.. 

XXXX XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. 

US Dept. of Education Account number : XXXX There are different monthly payments across the XXXX credit bureaus. Equifax monthly payment states {$470.00}. XXXX and XXXX states {$0.00}. 

XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX  date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (IL)

I assigned my credit card rewards points to the balance of my Navy Federal Credit Union ( NFCU ) Flagship Credit Card. NFCU ( without authorization ) moved those points/money to my savings account. I was not aware of the move and believed that money was going to the balance of my credit card. When it did not, I accrued a XXXX dollar late fee balance. When I spoke with a representative, I was told it was my fault for not checking my statement balance. 

From there, I asked my account be closed ~ XX/XX/23. I was supposed to receive a cashier 's check in the mail ( check sent out XX/XX/23 ). I spoke with a female agent around XXXX XX/XX/23 ( XXXX ) who said I should continue to wait for the check ( now missing x 19 days ). When I explained it is likely lost in the mail, she said she would have been notified by the USPS if it was truly lost. She then asked if I trust my mail carrier. 
I asked to speak with her supervisor, XXXX, who hung up on me without reissuing the check. 

From there, I sent a message/email to NFCU requesting the check for my closed saving account to be resent to my home address. I sent them a " Declaration of Loss '' form with the account number. I received a brief email response stating they would not accept the " Declaration of Loss '' form and would not reissue a check. I want my money from my closed saving account in the amount of {$2000.00}.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please see attached documents. 

Transunion received my letter on XX/XX/22. I followed up with a phone call to Transunion on XX/XX/22.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (NM)

I tried twice in the last couple weeks to open an online savings account with Comenity XXXX-Comenity XXXX is a brand of Comenity Capital Bank , Member FDIC. All deposit products are provided by Comenity Capital Bank, a Utah state bank. I have spoken with numerous customer service reps since trying to open the account and no one can give me a reason for the denial. I have no credit issues and according to the law they have to give me a reason if they're going to reject my request to open a savings account. Because of an identity theft issue about seven or eight years ago, I had my credit frozen at the three credit reporting agencies and left it that way but I've opened numerous accounts since then while my credit has remained frozen and have never run into this problem. my FICO score is somewhere around XXXX to XXXX.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have been trying to work with Huntington Bank regarding mortgage assistance and my XXXX XXXX XXXX. I have submitted a few times for loan modification one of my last times was on XX/XX/XXXX where I submitted all essential pieces of information for modification review as they requested. On XX/XX/XXXX I received a letter from Huntington that my file was declined for assistance but they never specified the reasons why I reached out to XXXX XXXX at XXXX 3 times per week and at least twice a day to get more details as tot he reason I did not qualify and even asked for more documents showing me how I failed the XXXX, XXXX  evaluations but to this day I have not received a call back, in the letter is gave me the option to appeal the denial decision by XX/XX/XXXX which I did and during my time of appeal Huntington went ahead and set a foreclosure sale date on my home. Huntington National Bank contracts Homesavers Department to underwrite their modifications for them at phone number XXXX and after numerous attempts to reach this department as well to gather more information they refer me to XXXX XXXX which he never returns any calls. I have request for a supervisor to call me back but again have not heard from anyone. 
I have expressed my financial hardship due to my health and XXXX and have shown proof of my financial ability to be able to continue to make payments on my mortgage I feel Huntington and Home Savers Department  are in non-compliance with RESPA Regulation X early intervention and loss mitigation requirements, found at 12 C.F.R. 1024.39 and 1024.41 and CFPB Dual tracking under loss mitigation guidelines and predatory lending practices with lender trying to foreclose on my home rather than to work with me for mortgage help
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX Account Number : XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX  XXXX Account XXXX Please remove it from my credit report. 

US DEPT ED Account XXXX This is not mine. 

XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX - Account XXXX My parent has the same name as me.
Consumer complaint received 2022-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC (IL)

I got an alleged loan through Lima One Capital. The total loan was for {$100000.00}. They only gave me {$12000.00}. They kept the rest. They are trying to foreclose on my home. I need help from the CFPB to protect myself from Lima One Capital because I've been a victim of predatory lending. I paid them the twelve thousand they supposedly loaned me, and they already got the credits on the private side
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NJ)

I made ( XXXX  ) Payments to Genesis FS. 

XX/XX/XXXX for {$150.00}. This is reflected as paid on XX/XX/XXXX in Milestone Payment activity. 

XX/XX/XXXX for {$150.00}. This is reflected as paid on XX/XX/XXXX in Milestone Payment activity. 

XXXX $ XXXX.ThisisnotreflectedonMilestonePaymentactivity. 

Becausethiswasnotreflectedin Milestone, XXXX XXXX  reversed the payment and refunded me. 

Milestone then reversed my XX/XX/XXXX payment. 

For two months, I have called a half dozen times. Each call takes 45-60 minutes. I have sent XXXX faxes with all the documentation. They do nothing but give me the run around. Every time I call they say that the haven't received the fax. They don't have a phone number or email or online chat/text with anyone in so called " billing department ''. In the meantime I'm " over my credit limit '' on the card which has a negative impact on my credit rating.
Consumer complaint received 2022-03-16
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. (MD)

Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of Equifax, XXXX, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (CA)

On XX/XX/2022 I sent out a letter regarding inaccurate and unknown company on my consumer report. I sent a request for validation to Maury Cobb and associates, LLC on XX/XX/2022. XXXX XXXX respond back on XXXX XXXX sayin that the debt was verified and I owe the debt to XXXX and sent billing statements from XXXX. I never signed a contract with this company. They have no right to my information, my rights to privacy has been breached. I demand this account be permanently removed from all my consumer report.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

The equifax data breach is the most egregious in US history affecting more than half of the country. I first read about this breach in the news, went to the equifax website to see if I was affected -- which I was -- and then afterwards see reports that simply checking this information may make me ineligible to collect damages!? This is simply evil! And then to hear equifax executives knew of the breach **for a month** before acting, giving them time to cash out their stock? Outrageous!!
The US federal government **must** act in severely punishing those involved and preventing this situation from ever happening again. Equifax should be completely dissolved as a company. This data breach is in clear violation of both the Fair Credit Reporting and the Financial Monetization Acts, and as a consumer I fully expect swift justice.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WI)

I have been calling this LoanCare company since XXXX XXXX trying to find out when my property tax check would be cut from my escrow and whom they would be sending the check to. There is plenty of money to cover my property taxes, yet no one after XXXX calls can give me an answer where the money is and why it has n't been paid. I have spent numerous hours on hold to get absolutely no where.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

This letter Is in response to a derogatory collection reporting on my credit report, last reported on XX/XX/2022. 
I am requesting that you either : 1. Provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and the exact amount of debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; and the date the original creditor claims this debt became delinquent. 
Please also note whether this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt ; whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Lastly, please provide proof that I XXXX XXXX XXXX, agreed to pay this debt, and HIIPA release form stating you have permission to access all of this protected health data OR 2. Voluntarily dismiss this debt Under the Fair debt collection practices act standard. 
Under the Fair debt collection practices act standard, I never received a detailed letter within 5 days showing my debt, and giving me the opportunity to request to verify this debt within the 30 day timeline. By you failing to send this letter and give me a fair chance to verify this debt within the allotted timeline Under the Fair debt collection practices act standard, You have violated the fair debt collection practices act, thus making this debt invalid and needs to be dismissed. 

Please be advised that if you do not dismiss this debt OR produce these documents, you have failed to validate my debt, thus in direct violation of the fair debt collection practices act standard and thus, I will report you to the federal trade commission Sincerely, XXXX XXXX