davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
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. (MA)

I am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against XXXX, XXXX and Experian. My lawyer XXXX XXXX XXXX XXXX ( The Law Offices of XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the XXXX, XXXX and Experian are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau Experian XXXX XXXX   {$350.00} XXXXXXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$63000.00} XXXXXXXX XX/XX/XXXX XXXX {$660.00} XXXXXXXX  INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX   XXXX XXXX {$350.00} XXXXXXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  {$63000.00} XXXXXXXX  XX/XX/XXXX XXXX {$660.00} XXXXXXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX  XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$63000.00} XXXXXXXX  XX/XX/XXXX XXXX {$660.00} XXXXXXXX INQUIRES XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : Experian XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO Experian North Americas XXXX XXXX Vice President and associate general counsel XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX Director fraud and identity Management XXXX XXXX VP and division gen counsel regulatory XXXX XXXX XXXX Senior Vice President enterprise Fraud ID Theft XXXX XXXX vice president and group counsel XXXX XXXX XXXX XXXX corporate vice president chief legal officer ] '/
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I wrote a letter to this company last XX/XX/XXXX requesting debt validation. To date, I have not received any validation document. I have requested debt validation for two accounts, Account 's XXXX and XXXX. Cavalry did reply ( please see attached copies ) last XX/XX/XXXX. On their letter, they are asking me to send documents to verify my claim. " I am the consumer and it is on their shoulders to provide proper debt validation ''. I have given them enough time to send me what the law requires. They still did not comply.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have earned over 300,000 Membership Awards points with American Express. My current balance of points is XXXX. On XX/XX/2018 I attempted to redeem points for gift cards. I received a message saying " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called American Express on the XX/XX/XXXX to inquire and again today on XX/XX/XXXX. Today they told me it would be an additional XXXX weeks for my purchases to be analyzed. 

This is an unfair practice by American Express. I earned my points legitimately and now when trying to redeem are blocking me from doing so. I feel this is a bait and switch technique. American Express should release my points immediately or complete what should be a simple review within 5 business days.
Consumer complaint received 2018-02-19
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 XXXX XXXXXXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
Consumer complaint received 2019-03-16
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: EQUIFAX, INC. (MA)

I am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against Equifax, XXXX and XXXX. My lawyer XXXX XXXX XXXX XXXX ( The Law Offices of XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the Equifax, XXXX and XXXX are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau XXXX  XXXX XXXX  {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX US Dept of EdXXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2018 EQUIFAX XXXXXXXX XXXX {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX US Dept of EdXXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXXS XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX bank {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : XXXX XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and associate general counseXXXX XXXX XXXX XXXX XXXX Vice President XXXX corp XXXX XXXX XXXX fraud and identity Management XXXX XXXX VP and division gen counsel regulatory XXXX XXXX XXXX Senior Vice President enterprise Fraud ID Theft XXXX XXXX vice president and group counsel XXXX XXXX XXXX XXXX corporate vice president chief legal officer ] '/
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX General Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, Used Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. Capital One had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

XX/XX/2018, Im still trying to contact Bayview Loan Servicing so they can update my account..No one will answer the phone or return my call. All the lies and scamming, guess they dont want to talk to me. YES, Bayview Loan Servicing Approved and Executed my Loan Modification, but XXXX XXXX continue to send me harassing letters about foreclosure, claiming they didnt receive my last trial modification payment. I have provided proof that Bayview Loan Servicing received the last trial Modification Payment. They are so INCOMPETENT there. Im NOT Sure if the employees there have high school education, especially XXXX, she is so dense. My account need to be updated. When my attorney finishes with these crooks they will be sorry! I have a contract signed, approved and executed by Bayview Loan Servicing saying I didnt need to do anything else. I received instructions where to send the new modification payments. I have already sent XXXX XXXX my 1st Loan Modification Payment so I dont know what XXXX XXXX is talking about. She is a big liar, trying to scam more money out of me!
Consumer complaint received 2018-02-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I applied for a loan over the phone with New American funding on XX/XX/2017. I received from the VP officer XXXX XXXX pre-approved loan letter on XX/XX/XXXX. After delivered all requested docs, on XX/XX/XXXX, I received a written full loan approval letter which also stated go ahead to " remove all contingencies '' for my home purchase contract. Upon receipt, I performed my due diligence and obligations pursuant to the purchase contract and removed loan contingency. I would not have done so without the written full loan approval from New American Funding. I had sent all paper work, locked rates, paid for appraisals and inspections and had XXXX on earnest deposit held at Chicago Title. Unfortunately days from escrow, I was told that the VP entitled of my loan quit the company without notifying me and my agent. The loan passed to different loan officers who promised new closing dates. The new loan officer XXXX XXXX asked for more time as they need to unlock the files under the license of previous XXXX XXXX XXXX. It took me and my agent many phone calls and lot of stress to get escrow dates. I experienced many unethical behavior from their employee. XXXX XXXX assistant sent emails to my accountant without my previous authorization asking him to provide false information. My agent tried to talk to a branch manager XXXX XXXX XXXX who introduced to another employee XXXX XXXX XXXX who on XX/XX/XXXX told us they could not fund the loan. As my duty I canceled the purchase agreement as the seller could no longer wait. They put an offer on her new home in Arizona and the sellers of the Seller escrow was also pending on my escrow. While New American Funding VP XXXX XXXX recognized their employee 's mistakes and asked for all receipts of my expenses due to the delinquent behavior of a VP loan officer, I have only received 6 % of damages. It is unfortunate that a lender company like this one can cause harm people, and it is still in business. I am looking for reimbursement of earnest deposit in the amount of {$30000.00} lost due to the delivery of a Full Approval Letter by New American Funding in the purchase of a residential property contract in California in the amount of XXXX.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NJ)

I have been going back and forth with my mortgage company Selene Finance for a very long time as I try to resolve my missed mortgage payments with them. I finally decided to just try and do a short sale and listed my home. We presented Selene with a couple of excellent offers that matched the market value but Selene would not accept these and has instead set a foreclosure auction date. I recently became aware of the fact that there are new homeowner assistance programs for borrowers with GSE loans backed by XXXX XXXX. I have asked Selene to review me for these programs and have cancelled out the short sale. Instead of working to review me for these programs, Selene has moved to sell my home I have owned for 30 years. I deserve a chance to be considered for these XXXX XXXX programs, and can't understand how or why Selene would obstruct my access to them. Additionally, Selene Finance has failed to offer mediation through the state of New Jersey as an option to resolve a dispute like this. I found out that they are required to offer this option so that an independent third party can intervene. Once again, Selene is not giving us access to these options. 

My problems began several years ago. I worked as a self employed XXXX XXXX XXXX  for nearly 30 years. I was diagnosed with major health issues and this led me to have cut down on my hours. In that same time frame, my bank account was frozen because of irregular activity. I had an international account and someone had gained access and was illegally withdrawing money. As a result my account was frozen. It took me a long time to straighten this out and as a result I fell behind three payments on my mortgage. I began trying to work this out with XXXX XXXX at that time. It was a mess and then they went out of business and the loan was transferred to XXXXXXXX XXXX who I tried to negotiate with. Then it went to XXXX, then to XXXX then back to XXXX and now it is with Selene Finance. Every time I was making progress towards a resolution my loan would get transferred and this has continued on for a long time. I have wanted to fix this problem and try and resume making payments but continue to run into issues from the lenders I have to deal with to make this happen. My concern at this time is that there are several new homeowner assistance programs that are available for borrower 's with GSE loans backed by XXXX XXXX. Selene Finance has not allowed me access to these programs and has not given me a chance to be considered for any options. I tried to sell the property as a short sale as Selene suggested for close to a year but they kept rejecting good offers. At this time I am very frustrated with Selene Finance and I want to be reviewed for ALL homeowner assistance options. Although I am XXXX and retired, I do receive a monthly XXXX disbursement as does my wife. We also have a tenant who shares our home with us. I believe we have sufficient income to make a reasonable mortgage payment if Selene would work with us.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IN)

XXXX XXXX XXXX CREDIT CADRD NOXXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-09-15
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: TRUIST FINANCIAL CORPORATION (FL)

suntrus XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (PA)

This Collection company by the name of XXXX. XXXX XXXX, is committing several Violations against myself the Consumer and FCRA Federal Law. I have never done any business with this Collection Company or its alleged Original Creditor, who I presume illegally sold my Private Personal Information to them and I never authorized or consented to any account with this Collection company. The account/debt this collection agency is attempting to collect is completely Fraudulent and the way this Collection agency obtained my Private Personal Information is a Fraudulent, Identity Theft, and a Violation of my Consumer Rights. I have no awareness whatsoever of who this Collection Company is, and I am fully exercising my rights under FCRA Regulations and Laws, to have this Fraudulent Collection removed from my Consumer Credit Report, and to have this Illegal Collection company CEASE the use of my Private Personal Information immediately. I am a litigious consumer who is fully prepared to take this unethical and unlawful Collection company to court to provide all of my evidence and prove that this Collection company and any affiliates are committing Consumer Law Violations. As Per FCRA Law, any information being furnished on a Consumer Credit Report must be truthful, valid, and completely accurate, without any chance or possibility of inaccuracy and this Collection Account is complete FRAUDULENT and INACCURATE and must be removed immediately. I intend to fully recover all damages caused by this Fraudulent and unlawful attack against my Consumer profile, if this inaccurate Collection account is not removed.