davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$690.00} XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - COMMONWTH XXXX XXXX Balance : - COMENITYBANK/VICTORI XXXX Balance : -y : Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$650.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC. (TX)

XXXX I Filed a complaint against Halsted Financial Services LLC as  they made false statements indicating a refund to myself as this did not happen. According to their reply to CFPB XX/XX/2019 they would cancel and refund, the refund never happened. I NEVER AUTHORIZED THis company to take such fees and they went into my account without my authority and caused checking to be in a overdraft, and numerous fees. They indicated that they would refund all transactions as this is false and they have no proof. Made false accusations of a refund did not happen on either account. See below I couldnt respond in 30 days due to my illness. 

complaint filed by XXXX XXXX against Halsted Financial Services , LLC . Complaints of this nature are very serious and are not taken lightly. Upon reviewing the relevant call recordings we found that the convenience fees applied on the transactions in question were authorized by the consumer, however, due to the nature of the consumers experience with our office we have decided to cancel all future transactions and initiate a refund for all transaction fees already charged to the consumer. Additionally, both accounts in question have been permanently closed in our office. I hope that this addresses the consumers concerns. If I can be of any further assistance, please do not hesitate to contact me directly by phone at ( XXXX ) XXXX or via e-mail at XXXX. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Halsted Financial Services , LLC email : XXXX PH : ( XXXX ) XXXX
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc (CO)

This is an official complaint against Millenial Home Lending , Inc. I have been trying to get this issue resolved since XX/XX/2021 and have been given the answer of there is nothing that can be done. This is in regards to our refinance of our mortgage loan with Millenial Home Lending , Inc that has since been since transferred to XXXX XXXX DBA XXXX XXXX  XXXX  on XX/XX/2021. Previously we had our mortgage loan with XXXX XXXX XXXX XXXX  and on XX/XX/2021 we closed with Millenial Home Lending and the payout was issued on XX/XX/2021 from Millenial Home Lending to XXXX. As part of the terms of our refinance, we were to go 2 months of payment deferment. At the time of closing it was indicated in our paperwork that it would in fact be XXXX and XXXX. We had specifically discussed that we had already paid our XXXX mortgage ( keep in mind this was now XX/XX/XXXX and well beyond the mortgage due date of XX/XX/XXXX ), and it was stated we would be getting that refunded to us in the form of a check. XX/XX/XXXX we received our escrow refund, but no mortgage refund. At that time I began speaking directly to XXXX XXXX XXXX XXXX several times and they states that they do not issue refund checks but instead consider that a payment towards the payout, which was not what we agreed to with Millenial Home Lending. With that being said, the terms we agreed to of going two months of deferment is not being met and it seems Millenial Home Lending spoke on behalf of XXXX XXXX XXXX XXXX on how that payment would be handled. We paid XXXX mortgage and that was credited toward what Millenial Home Lending paid for our mortgage. In my opinion, we did not get the benefit, but Millenial Home Lending got the benefit of lowering the payout by $ XXXX- this is not at all what we agreed to and I believe to be dishonest. I was advised to reach out to our original loan officer who I contacted on XX/XX/XXXX, who passed this issue onto her manager that same day. I did not get any communication from the manager, and on XX/XX/XXXX a voicemail was left on my husband 's phone ( which he never checks which is why I requested to be contacted ). When he finally heard the message on XX/XX/XXXX he passed the contact information onto me and I called and texted ( as requested by him ) starting on XX/XX/XXXX, again on XX/XX/XXXX and then finally on XX/XX/XXXX I received a response stating that there is no further action they are taking on a Funded Loan. There is zero culpability on their part and they refuse to assist in correcting their mistake and honoring the terns of our refinance agreement.
Consumer complaint received 2019-09-14
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. (FL)

XXXX XXXX  auto  loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in 2016. it was for a XXXX XXXX, the car insurance XXXX  paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.
Consumer complaint received 2020-12-16
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. (CA)

I had a XXXX XXXX XXXX XXXX  loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue
Consumer complaint received 2018-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NJ)

I was notified that my mortgage service company XXXX was being transferred to Shellpoint Servicing. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with Shellpoint, they stated XXXX was no longer in business. I attempted to make a payment to Shellpoint, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I disputed some charges on my account and was promised a credit on XX/XX/20.  I still have not received a credit and my account is negative and about to close soon. 


XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD *XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD *XXXX  - {$1000.00}
Consumer complaint received 2022-08-17
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. (PA)

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. 

XXXX - Late 150days XXXX - Late 150days
Consumer complaint received 2019-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One and XXXX XXXX has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. 

XXXX - Late 150days XXXX - Late 150days
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. 
J.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

I have 3 accounts with synchrony Bank, Lumber Liquidators, Brandsmart, and Home Design. My wife had a card with XXXX XXXXXXXX XXXX  through Synchrony.  Within the last 90 days Synchrony Bank completely cancelled my wife 's card that had been paid satisfactory and had a XXXX  balance, and each month between XXXX, XXXX and XXXX, lowered the credit line of each of my 3 accounts with them damaging my credit score in the middle of a refinance process. When I contacted the company although I have never been late with any of their cards, they gave reasons based not having a mortgage attached to my credit report and other information from the report but could not provide specifics. This practice has caused harm to my credit report and my refinance opportunities. It arbitrarily increased my debt to income ratio. I am XXXX XXXX and when speaking with other associates they have expressed the same concerns with the conduct of Synchrony Bank. The lumber Liquidator account I have held since XXXX without default, Brand Smart Since XXXX without default. There continued actions are causing irreparable harm. Their response was " credit can be a snowball effect '' one in which they are causing by increasing my debt to income ratio.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

# 1-Date reported XX/XX/XXXX amount is {$8200.00} Bank of America- Date opened XX/XX/XXXX, date account closed XX/XX/XXXX. This belongs to XXXX XXXX XXXX I divorced him XX/XX/XXXX. I filed filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My lawyer said that is illegal because I filed Bankruptcy.

# 2-Date reported XX/XX/XXXX amount is {$3400.00} Bank of America showing also Derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced him XX/XX/XXXX. I filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX   Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 3-Date reported XX/XX/XXXX amount is {$15000.00} XXXX XXXX  showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX   on XX/XX/XXXX with XXXX XXXX # XXXX  Bankruptcy Docket # XXXX   this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

these three credit cards that are reporting a balance illegally on my credit report total = XXXX..

# 4- state collection- date reported XX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 5- state collection - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XX/XX/XXXX on XX/XX/XXXX with XXXX XXXX # XXXX  Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 6-State collection- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

Please I had to pay a lot of money for a bankruptcy lawyer and paid my dues this is not fair these are illegally reporting on my credit report please help.
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc (AZ)

Fidelity National Title Insurance Co. Close Date : XX/XX/2005 Buyer : XXXX XXXX and XXXX XXXX, XXXX Seller : XXXX XXXX, XXXX There are two Incoming Wire Reports that have no account information and no traceable history of where the funds originated from. We have the complete escrow file but these two transfers do not include Bank Routing, ABA Number, Account Numbers, Transaction Summary, Withdrawal Slip or Bank Deposit Slip. The first wire was {$280000.00}. We subpoenaed the bank accounts going out of the purchaser 's account and into the escrow account, but a transfer of funds are not present in either bank accounts. The second wire was for {$560000.00} We subpoenaed the XXXX of the company that supposedly sent the wire and their records say a check/wire for {$560000.00} was sent to escrow. The XXXX and the incoming wire report from the escrow file don't match nor is there any history of where the money comes from. The subpoenaed bank account for the escrow account does not show that {$560000.00} was deposited into the escrow bank account. The escrow co. provided a hand written note on the incoming wire report " {$560000.00} Lender/XXXX XXXX '' but this is not the correct deposit name and amount according to QuickBook details. We have written numerous emails to the escrow co. requesting the history of these two deposits but unfortunately no documentation has been provided. The escrow company claims no traceable history for these deposits because they were in-house Book Transfers / XXXX to XXXX. Our deposit of {$280000.00} was transferred to the escrow bank account and it was also an in-house Book Transfer / XXXX to XXXX the escrow file contains the Transaction Summary, Account numbers, Withdrawal slip and Deposit slip. Why wouldn't the other two Book Transfers include the same details as our Book Transfer? The Arizona Department of Financial Institutions recommended that we file this complaint. They have also requested the escrow co. to provide the account details for these two deposits. The amount in question is {$840000.00} or {$840000.00} ( depending on which total you use ) without any traceable history of where the funds originated from.
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been looking for a job for over 10 years and when tgey contact ne back they seem to say the same thing that i am overly qualified. And when i fill out for credit they say tgat it's derogatory remarks. I have really never had a credit card. and there are bad things sent and said on my report. And it's not fair. And yes i am XXXX- XXXX XXXX XXXX whatever. It's not fair. I am XXXX years old abd do not own nothing. I don't wont to die without a chance to be a real American.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (TX)

Consider this as a follow-up complaint to ensure the verification of this account : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} This account has not been validated despite the multiples request to do so. I am here to reinclude this account for another investigation for I believe it is reported erroneously.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (VA)

XXXX XXXX reported that my account was thirty days late which was inaccurate. I went into the branch to resolve the matter but they told me they couldnt change the information because a computer generated the information not them. XXXX XXXX told me to dispute with the three bureaus and they will correct the information once the credit bureaus send the information to them. It was removed from two bureaus except Experian. Which I dont understand how they verified the account in two days. The account was reported incorrectly.Experian is not trying to remove it from my account. I need for the inaccurate information to be corrected. Thanks!