davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (NJ)

Hi, I have applied for the Comenity Caesar 's Rewards Credit Card twice now, and it keeps getting denied because it states something along the lines of " unable to verify applicant authenticity, high chance of application by non-applicant '' meaning that their automated system thinks that I am not the one applying for the card. However unlike XXXX and other normal credit card companies, Comenity doesn't ask for proof that you were the one who applied. If they had, i'd be happy to provide my Driver 's License and other items, that prove beyond a reasonable doubt that I am indeed the applicant and that I applied for the card. To simply state that they are denying me because they can't verify my identity after conducting a hard pull on my credit, without asking me for proof of my identity is absolutely crazy. I go to Caesars  about once every couple of months, and the reward structure happens to match what I am looking for in one of my credit cards. If they'd like i can send them a copy of my most recent Caesars bill with my name on it, showing that I did indeed stay there.
Consumer complaint received 2019-08-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Elite Financial Services, Inc. (CA)

This company is breaking the law by providing false information to new clients by offering a {$5000.00} if they do not sell the house with in 3 months. They ended up not selling my house and when I told them about my {$5000.00} they ignored me. They stated ( which i have proof by them ) if we do not sell your house in 3 months we will guarantee {$5000.00} compensation for not being able to sell the house. It has been over 3 months and they have not paid my {$5000.00} because they did not sell my house. They promised me {$5000.00} if they did not sell my house and they did not sell my house which it has been over 3 months and till now they did not give my {$5000.00}. They are lying and breaking the law because they are providing false information by stating if they do not sell your house in 3 months they guarantee {$5000.00}. They are bunch of liars. I have spoken to the guy and he says they will not give my {$5000.00}. By providing misleading information Elite XXXX  is providing false information to there clients. I am demanding a {$5000.00} compensation for the real estate company not selling my house in 3 months. I need this resolved now or my next complaint would be with the California Attorney General. 




Real estate license number XXXX Lic XXXX The agents name that lied to me is XXXX and his direct number is XXXX
Consumer complaint received 2019-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representation.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX   ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2019-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),
Consumer complaint received 2021-05-04
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. (CA)

There are 5 accounts on my credit report that are not mine I have not applied signed or used these accounts they are showing up on all three of my bureaus I have disputed these sinceXX/XX/XXXX but I have not heard anything back or seen a dispute opened I need these off my credit report asap!!! 


Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX XXXX  Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2017-12-20
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. (CA)

The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XXXX of XXXX. Made the regular payments and the account was in good standing until the last payment made on XXXX XXXX. I moved to a temporary residence of XXXX XXXX. I tried to negotiate the past due balance but the account was charged off three months later XXXX XXXX XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XXXX XXXX, XXXX, I received a communication letter from a debt collector. On XXXX XXXX, XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX  any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XXXX XXXX, XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXXk IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me XXXX the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (AZ)

Applied for a refi to existing home mortgage with LoanDepot in XXXX. 
The loan officer was professional and helpful and gave me a great rate ( 1.85 apr ). 
The loan went to underwriting before XXXX. Once in underwriting communication was poor. I emailed various people listed as my contacts plus I called the help center numerous times. 
A closing date was set but the notary did not show up at my house and LoanDepot did not inform me that the notary would not show up. In late XXXX or early XXXX, LoanDepot sent me a final disclosure statement to review. The statement did not reflect the correct payoff balance with my existing mortgage ( and overstated the loan amount as a result ), having missed the last two payments I had made. 
Finally after several messages from me, they corrected the disclosure statement by keeping the loan amount, term, apr the same as on the previous disclosures, but increasing the cash amount due to borrower. I would have preferred the amount borrowed to have decreased, but the way they did it was mathematically correct, so I told them the disclosure was correct. A notary was sent to my house, numerous documents were signed and we closed on the loan. 
However, three days later I received a new disclosure statement with all amounts the same except the amount due to borrower was significantly reduced. I called LoanDepot to ask how could they change the disclosure statement that was formally signed just three days ago and with incorrect amounts listed. The person I talked to said she was some kind of super person with LoanDepot and she reduced the amount due to borrower because this was not a payout loan, and the statement would be corrected later. 
I said I could not trust LoanDepot to correct this timely. She said it would be corrected by the end of the day. Two days later it was still not corrected. And I told her and the loan officer when he called later, that I could not trust LoanDepot, I did not want to waste anymore time with them and to cancel my loan application.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

XX/XX/2019 Ally Financial said my account was past due, when it was not. I contacted them immediately and Ally said they will fixed the problem. In reality they never fixed the problem. Im not past due on my car note. The account says I am 30 to 60 days late. This has caused my credit score to drop drastically. Please do some thing about it.
Consumer complaint received 2017-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX XXXXo provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Ive had a credit card through XXXX XXXXXXXX XXXX XXXX for over a year. The lender has not reported to Equifax an information for the entire duration. Ive contacted both XXXX and Equifax about this matter.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IN)

Hello CFPB, I am a recent XXXX XXXX from XXXX University. Since I was relocated here as a XXXX at risk, I can not go back home ( XXXX ) because of the ongoing political crisis. So, until I get a professional job ( XXXX & XXXX ) I do any job to pay my bills on time and earn a living. Most of my credits are set on automatic payment and are paid timely. My credit score has been above 700 until recently and I was informed yesterday by XXXX XXXX that my credit score fell to XXXX due to some negative credit factors including late payments ( I forgot to pay an XXXX travel loan payable on the XXXX and paid it on the XX/XX/XXXX and reported. ) One major factor is, I was told, a closed XXXX store credit account which a XXXX saleswoman prompted me to open ( i did not go to XXXX that day to open a credit account ) and I told her there and then on her registry line ( to the same cashier before I left the store ) to close the account she ppened by my name because I did not plan to have a XXXX ( or any credit account ) for whatever reason. Either the saleswoman did not close the account she told me she closed it or XXXX systematically keeps open closed accounts to collect debts it does not deserve. For this wrong doing and exploitation/abuse, XXXX is accountable. 

I called XXXX XXXX yesterday, XX/XX/XXXX, before XXXX and they told me to file dispute on my behalf. However, what XXXX did has a negative impact to worsen my already stiff financial situation. Whether or not my credit score will be fixed, I never back away from holding responsible for their own wrong doing and for keeping open a closed account and reporting me falsely and claiming unfairly that I owe them debts. 

Happy holidays! 

XXXX XXXX XXXX XXXX, IN
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

I have had multiple accounts with Citibank for almost 10 years and my accounts have always been in good standing!!! They just raised my credit line to {$31000.00} on my gold card which I use for everything!!! They closed my account at an executive level, all my accounts with no notice or no reasoning why!!!! I am completely confused and can get no answers from Citibank. I am completely blown away by their actions. I have excellent credit and this is mind-boggling to me. I would like to know why they did this to me!! Citibank 's customer service is of no help!!!!!
Consumer complaint received 2019-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I received a notification from XXXX  and XXXX  stating that I owe a hospital bill in the amount of {$720.00}. I have not visited a hospital in the time frame or have any documents regarding this matter. I'm requesting to receive any documents containing to this bill as we'll as a signed hippa release form for this false claim.
Consumer complaint received 2019-11-16
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. 
Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX  and talked to XXXX. She also trying to transfer me to somebody else - phone banking. 
Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. 
Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. 

Some or the other way HSBC causes issues for the customers.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

I have a mortgage with Freedom Mortgage. In XXXX of 2020 Freedom Mortgage refinanced my existing mortgage with them to a new rate. Upon completion of the refinancing process, Freedom Mortgage did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to Freedom numerous times to try to resolve the issue by having them file the Deed of Trust. My most recent interactions with them have been met with Supervisor and Rep level contacts hanging up on me, in one case as soon as I explain the issue. This delay and unwillingness of Freedom Mortgage to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage. Further, Freedom has been holding escrow from my loan and show that they have paid property tax on the property, however, without a Deed of Trust on file I don't believe they are actually paying the taxes, since the County wouldn't collect on a property that isn't registered in their system.
Consumer complaint received 2019-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (LA)

Im not sure if I made the correct selections here, but I couldnt find the right options for our situation. Around XXXX of XXXX, my wife opened up a XXXX card to work on our credit, adding me as an authorized user. The purchase was XXXX {$20.00}. We never received our XXXX card in the mail. The card & account were forgotten, as we moved out of state a few months later. The account is showing on my credit report, me as an authorized user with late payments from around XX/XX/XXXX to XX/XX/XXXX. The account, which was opened in XXXX, had no charges in XXXX or XXXX. The account is now closed. 
We have called the collection agency and XXXX in order to remove me as an authorized user from the account. No one seems to understand what we are asking for and they keep sending us back and forth between the two places. XXXX says they can not do anything because the account is closed and the collection agency says they only handle the collections part. I understand this for the collection agency, but I feel as though XXXX could hear out this issue better and remove me as an authorized user. 
As of today, my wife and I are trying to buy a home as rent is very high in our city. Financially, we would much better off owning a home and saving a few XXXX dollars a month, than sinking money into rent on a home we can not own. We need the account taken off of my credit report to raise the score enough to qualify for a home loan. Our lender suggested that we reach out to CFPB for any help we could get. 

Thank you in advance for any help you can give us.