davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX and XXXX XXXX  ) Creditors : XXXX XXXX ( twice ), XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX. I also have a collection account XXXX XXXX XXXX  XXXX account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 

This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX  and XXXX  continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Information reporting to Equifax is reporting as 30days late, but it is listed a current on XXXX and XXXX. In accordance with 15USC1681e ( B ) and 15USC1666B ( A ) this information should be removed and or corrected on my Equifax report.
Consumer complaint received 2020-06-22
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. (NC)

My Victoria secret card says closed. When I call Comenity bank they tell me it is open. I was told that if I make payments on time that my account would reflect. My company list work due to covid. I called. And was told my account would not show any late pays. But it does XXXX XXXX XXXX XXXX XXXX is not suppose to show late. And XXXX shows closed this is incorrect.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

on XX/XX/XXXX, I made an online purchase of a trash can for {$57.00} from an online marketplace called XXXX that showed up in XXXX XXXX shopping search results. Because I hadn't heard of them before, I used PayPal because they offer buyer 's protection against online purchases. A week or so went by and I had yet to receive a shipping confirmation and so I emailed the seller and upon receiving no response, I opened up a complaint with PayPal and invoked their buyer 's protection guarantee. PayPal reached out to the seller who immediately sent them a XXXX tracking number of an item delivered that day in my town of XXXX, Massachusetts just minutes before the email was sent. I checked into the tracking number and called up XXXX and got an agent on the phone who told me that, yes, it was a valid tracking number but it had a different name and street address than the one I live at and the item was supposed to be sent to.

Because the seller had sent them a " valid '' shipping number, PayPal immediately closed the case and declined to honor their promise and there is no avenue to escalate the dispute or reopen any closed cases. They only say that there was a delivery to that town when confirming the address of where the package was shipped to is the easiest thing to verify. There is no avenue to recover my funds through the bank because PayPal requires you to attach your bank account number instead of a debit card and so I can't do a chargeback for the fraud. 

So here I am. It seems like the scammers have found a loophole where they can charge as much as they want through ebay and then if they get called out on it, they flash ship something to an address in that town and PayPal can then declare the package delivered and the case closed and the scammers get to keep their money and PayPal doesn't have to honor their promise of allowing consumers to shop safely on the internet using their platform. The scammers get to steal consumers ' money, PayPal get their cut and the only loser is the consumer. This seems like exactly the sort of thing this agency was created to combat so I'm hoping that you'll look into this even if I can't recover my funds.
Consumer complaint received 2020-07-08
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: SYNCHRONY FINANCIAL (FL)

I received an email from XXXX  XXXX  that I have 2 hard inquiries from XXXX  and 3 from XXXX  1 was from Syncb/XXXX  XX/XX/XXXX ( I spoke to them and theyre sending me a letter to confirm it was fraud ) and the other is from Syncb XXXX XXXX XXXX XXXX XX/XX/XXXX when I asked Syncb/XXXX about it they told me theyre not the same bank and to contact that company but I cant find a customer service phone number and on XXXX  same ones and a new one that I cant get customer service on the phone is from Syncb/XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Bank of America account number XXXX XX/XX/2020 I am a Bank of Americas costumer and keep an account # XXXX where my son is cosigner. On XXXX XXXX my son received a text message by XXXX XXXX and this girl asked him make to her a favor because she was very busy. She asked to my son make a transfer for {$1000.00} to her friend, then she sent him a check for amount {$900.00} ( which I attached ) which my son deposited on our account and this amount ( {$900.00} ) had available in our account the next day XXXX XXXX. Once the money was available my son made two transfer for {$600.00} and {$400.00} through XXXX to following email : XXXX. Both transfers were deducted from the account the same day, but a few days later, that is on XX/XX/XXXX, the transfer of {$600.00} was returned to the account because there were not founds, however on XX/XX/XXXX when my son received his payment of his salary it was deducted from the account again without making any notice, when it was evident that this was suspicious activity On XXXX XXXX the check was return and my son text his friend and she apologized and sent to my son another check for {$2400.00} ( which I attached ) to cover the amount that was returned and asked that the remaining amount of {$1400.00} be sent to his friend as well. My son immediately deposited this check which was return as well after three days. I called to the bank to report the fraud and they said me that they can not do anything about this, I asked them to verify if the account which my son made the transfer is from a costumer of the Bank of America or another bank in the United States, they must do the investigations because the banking system of this country must not allow people to engaged in defrauding people keep bank accounts in this country, which happens for not doing the due diligence to his costumers On XX/XX/XXXX we have received a letter of Bank of America and they attached two checks return reason : Altered/fictitious I wonder what is the reason the bank at firs put de money available when was a fraud check and why they did not block the account. 
I respectfully go to you to carry out the pertinent investigations or procedures and establish the corresponding responsibilities. 
I attached to you copy of checks and my bank statement to show you what happened Thanks for your support Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-26
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

PayPal automatically updated my expired card information to it's new expiration date without my permission. This would could potentially expose me to fraud for anyone gaining access to my account. I wanted it to be defunct. 

I'm not sure how this is legal or allowed.
Consumer complaint received 2021-02-03
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. (NY)

I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.
Consumer complaint received 2020-06-22
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. (GA)

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX  XXXX  # XXXX {$7600.00} XXXX XXXX  XXXX  # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX  XXXX  XXXX  # XXXX {$7600.00} XXXX XXXX  # XXXX {$310.00} Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX XXXX XXXX   # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Recently, I found out a credit card was opened in my name through Capital One, which I didn't open myself and had no knowledge of. This card was opened in XXXX of 2019 but strangely, this card wasn't even on my credit a month or two ago when I looked at my credit history.I don't understand what is going on with Capital One because they did the same thing to my wife who tried to get a secured credit card through them, highly disappointing. It's the reason why I didn't even bother calling them to take care of the issue, I had to file a complaint since I'm not the only one they've done it to. Also this card was opened the exact same date as my wife 's fraudulent card if I am not mistaken, both in XX/XX/XXXX of 2019. I never received any statements for this card, and it's never been used since the balance is {$0.00}, the limit is {$1000.00}. I asked myself how is it that a card that has been opened for almost a year never used. These fraudulent happenings have been going on, with Capital One being the common denominator. This is very worrisome for a consumer, not knowing who is using my credit. I want this card removed from my credit, it is not mine and I did not open it. This make me question if I should think twice about dealing with Capital One in the future.
Consumer complaint received 2020-06-22
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. (TN)

On XX/XX/2020 I sent a letter of validation to all 3 credit bureaus and the furnisher ( XXXX XXXX ). Neither XXXX  nor XXXX   could validate this account and has since removed the account but TRANSUNION and XXXX XXXX XXXX XXXX continue to post this account.XXXX XXXX did not respond to my request but I received a letter from TransUnion stating it was verified. How could 2/3 credit bureaus not validate the account but TransUnion reports that they did validate the account without cooperation from the furnisher
Consumer complaint received 2020-06-22
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. (GA)

Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX  XXXX  # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction (

s ) that I have made. It is the result of identity theft. PLEASE BLOCK AND REMOVE ONLY TH
E FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX   # XXXX {$310.00} Inquiries : XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX XXXX XXXX # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-06-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

{$2000.00} unpaid for XXXX  property taxes from escrow by Freedom Mortgage Company. Notified Mortgage company via phone between XX/XX/XXXX to open ticket. Checked status and sent details regarding delinquency and detailed tax office info again via email XX/XX/XXXX. Checked status via phone and sent another email XX/XX/XXXX and XX/XX/XXXX Each status check, notified by Freedom Mortgage they could not reach our tax office/no response from tax office, still waiting on info, and would provide a status update in 3-4wks. Contacted tax office who reports they were never contacted by the Mortgage Company each time. XX/XX/XXXX they were given the Tax Appraisal accounts manager direct email address to get this resolved and as of XX/XX/XXXX they had not attempted to contact her, but reported they did " try '' to contact the Tax Office. I was confident that the tax office wasn't the issue so I sent email to tax office and mortgage company. Tax office promptly responded ( as expected ) and still no updates from Freedom Mortgage ( as of XX/XX/XXXX ). Freedom has had all required information to make payment as of XX/XX/XXXX. I am delinquent on my taxes despite never being late on a single mortgage payment EVER. After a friend complained he was having problems with getting his home insurance paid from escrow and told us he ALSO goes through Freedom, we did a quick search. It appears this company is natorious for this type of behavior. I have owned 4 houses/4 different mortgage companies and NEVER had this issue, until now. This company has called me at least once a week to refinance but can't call once a week to get this taken care of. I do NOT recommend Freedom Mortgage.
Consumer complaint received 2020-05-25
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (TX)

This is regarding calls from Kia Motor Finance. 
On XX/XX/2020, they called me at XXXX. During this call, I told them while I don't agree with the debt they are imposing to my account I am willing to take their calls however not when I am working and I asked them to call me between XXXX and XXXX hours on weekdays. Which they told me they will comply. 
However, I received a phone call from Kia Motor Finance from the same number on XX/XX/2020 with the attempt of debt collection.
Consumer complaint received 2020-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (MA)

1st. - FCI Lender Services Inc. is the sub-servicer for XXXX XXXX XXXX XXXX. The company alleges it is the owner of our mortgage. I have requested from this service a forbearance due to Corvid19 and loss of income. The company has REFUSED to give us this forbearance or even acknowledge that we have made this request. 

2nd. - Over the past two years we have made repeated request of FCI Lender Services, XXXX XXXX XXXX XXXX to have a  presentment of out note. Instead of granting that request, they have moved to accelerate the loan in an effort to foreclose prior to the discovery of counterfeit documents which they have provided to us. This counterfeit mortgage is being used to foreclose on out home. We have proof that these documents are counterfeit and will provide both the registry copy of our mortgage and the counterfeit copy provided to us by FCI Lender Services via a QWR request. 

3rd. Out insistence on seeing the original note has been meet with continued resistance. They have no valid explanation as to how they obtained the counterfeit documentation or why they are refusing our requests. It is my belief that they know the documents are fake and are attempting to foreclose before it is discovered. Please note that corrections were made to the fake mortgage but unknown which is completely different from the mortgage in the Registry of Deeds in XXXX Massachusetts. With this knowlege FCI and XXXX XXXX  XXXX can not merely state they were unaware of this glaring irregularity. In fact, thus act constitutes Uttering on the criminal statue as they are : 1. Attempting to Collect a debt 2. Across State Lines 3. Knowingly using false documentations The case of In Re XXXX ( XXXX  ) Massachusetts case applies here as the chain of title can not be repaired. I will enclose a copy of both documents for you to look at. We have not paid this servicer because we have strong doubt that they actually have our mortgage given the documents they have provided. They are unwilling to communicate with us regarding this matter. In fact all communications have been referred to their legal representative identified as : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX Massachusetts XXXX ( XXXX ) XXXX. 

This firm is handling the acceleration of the mortgage but the mortgage they have is counterfeit. In a phone conversation with them I informed them of this fact as was told " So ... you do have a mortgage don't you? '' This cavalier approach to this serious matter belays the fact that the documents are fatally flawed, complete with bogus signatures and changed notaries. A simple visual inspection of the document shows even the street name is misspelled. Please examine these documents ... We are getting ripped off and we have been unable to get anyone to listen to us so far.