davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Starmark Financial LLC (TX)

Collection agency has not been able to help me dispute an account that was opened on my behalf as a result of identity theft. Collection agency Starmark Financial LLC. 
Collector kept trying to reach me since XX/XX/year> attempting to collect a debt that I at the time thought it was a scam attempt since I did not have any past due accounts. A month later I realized there was an account that appeared on my credit report from them and realized someone had been using my information to apply. I filed a police report for identity theft and sent it over to the collection agency and they stated that they would do their investigation and I would hear back in 2 days. I also confirmed to them that the employer that was used in the XXXX contract is a place I have never been employed at, and that the bank account number the funds got deposited to is not a bank related to me. Never heard back and when I contacted them back they stated they were contacting the orginal lender XXXX to try to buy back the fraudelent account that was sold to them. I contacted XXXX myself and they stated that wasnt possible.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: MIDFIRST BANK (PA)

I received a letter today via XXXX from VIO Bank on XXXX  XXXX thanking me for opening an Online Savings Account on XX/XX/21 with them. I immediately called to cancel the account. They will send me a cancellation letter in the mail, but recommended I contact the 3 major credit reporting agencies : XXXX, XXXX  & XXXX, as well at the FTC & local police to file a complaint. I have filed a complaint with the XXXX XXXX, PA police department, case # XXXX. 
I was also told to have the police issue a subpoena via certified mail in order to release information on the account opening- but police indicated that is not the process.
Consumer complaint received 2023-03-08
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The written response you emailed is clearly double and your trying to collect more then original amount.thats not what was signed on original contract. It has become a hardship for me because i cant get anything approved even apartments. your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I saw that on two separate days two different credit inquiries were done against two different agencies. The company name on both inquiries was Capital One but each inquiry had a different address and phone number. 
I have not applied for credit, seen a new doctor, or even moved so there is no reason for anyone to request a credit report against me. I would like to know why these companies requested a credit report against my name because I did not authorize them for any reason. Below is the information regarding the credit inquiries which does affect my credit and I do not deserve to have this done to me as I have been working hard to clean my credit up. 

Credit Inquiries : Source : XXXX Alert Date : XX/XX/2020 Inquiry Date : XX/XX/2020 Name : CAP ONE NA Phone : ( XXXX ) XXXX Business Type : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXX XXXX State : UT XXXX : XXXX Source : XXXX  Alert Date : XX/XX/2020 Inquiry Date : - Name : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Address : XXXX XXXX  XXXX City : XXXX XXXX : VA XXXX : XXXX
Consumer complaint received 2023-03-08
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please don't ignore my request to correct the following : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

on XX/XX/XXXX I attempted to call Afni debt collection dept to resolve this {$380.00} collections acct showing on my credit report. It was originally an XXXX XXXX  XXXX XXXX but XXXX already paying off XXXX utility bill with XXXX XXXX XXXX so I shouldn't have XXXX bills. Since then, I moved out the apartment and cancelled with XXXX XXXX XXXX back in XX/XX/XXXX. So, I called Afni at XXXX and spoke with a rep but was told I didn't have any collection account with them. I would like it removed from my credit report. This has caused great stress to my financial situation.
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I have filed a complaint with Credit Acceptance Corporation and the complaint is open with CFPB awaiting the companies response. I was reached out to buy XXXX XXXX by telephone and email whom I did speak with and I think we resolved the credit reporting issue however now they have locked me out of my account and I can no longer see the loan status, payment status, early pay off amount or anything pertinent to my loan on there Website. I am ahead on my loan and paid up until XXXX or XXXX of 2023 and I'm not sure what there cooking up behind the scenes while I have been locked out of my account for simply opening a complaint with the CFPB but from all the complaints currently available to the public about this company they are very untrustworthy and I want it to come to a halt immediately. I was told by XXXX XXXX the Compliance Analyst that if I wanted to see my account information online again that I would need to cancel my initial complaint with the CFPB about there credit reporting tactics. What this company is doing is unlawful and I am protected as a consumer from these tactics so this is an easy problem to fix however I feel it is escalating and it does not need to when the loan is XXXX dollars away from being paid off.
Consumer complaint received 2021-04-27
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. (FL)

Hello, I am very stressed out because I found items that are not mine. I do not recognize them and for sure they are not mine. I feel like I am victim of identity theft because suddenly appeared fake items. These fake items killing my report and I feel very bad about this. Pease investigate their origins and remove them.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent me three notifications by email on XX/XX/2020, that they are going to consider transferring my funds in three separate accounts to the state. To prevent this, they require I interact with the accounts by use of their mobile app, their online banking feature, or making deposits/withdrawals to/from the accounts. I do not have their app and do not want to have banking information on my phone. I do not use online banking either. My preference is to use a local branch for all banking transactions. I do not use the accounts being threatened because they are my savings and I want them left alone unless I need them. 

I called Bank of America to explain that I found the notification of my savings being considered for transfer to the state very threatening. I asked the first person what date the transfer is scheduled for, but he did not know. I asked to speak to a supervisor and she XXXX XXXX XXXX did not know the transfer date. I asked to speak to her supervisor ( XXXX ) and she also did not know the transfer date. I explained that I want to move my savings to a different bank before they are taken from me, but was told no transfer date is currently scheduled. 

The threat of losing my savings is extremely distressing. The attempted manipulation of my preferences for accessing my accounts, upon pain of losing my savings, feels horrific. I leave my savings alone as a point of responsibility. Bank of America has many means of verifying my continued patronage without threatening to take my money and give it to the state. I am what Bank of America calls a Preferred Rewards customer. I can not imagine how poorly they treat their regular customers.
Consumer complaint received 2022-07-18
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)

I ordered a copy of my report in XXXX and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the XXXX credit bureaus on XX/XX/2022. As of XX/XX/2022, XXXX, XXXX, and TransUnion have not responded to my dispute. This is my sixth attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

XXXX : Complaint against Loan Servicer Specialized Loan Servicing Loan # XXXX Dear Sir/Madam : This is a formal complaint mortgage loan servicer Specialized Loan Servicing ( " SLS '' ) that services the mortgage for my property located at XXXX XXXX XXXX, XXXX XXXX, NJ. My mortgage was transferred from XXXX XXXX on XX/XX/XXXX. SLS finalized the loan modification started by XXXX XXXX and there was an agreed upon monthly payment barring any changes in escrow. The monthly payment memorialized in the loan modification is {$2200.00} per month, including the escrow of taxes and insurance. 

After the payment of the first mortgage payment of {$2200.00}, SLS immediately increased the monthly payment to {$2800.00} without any notice to me and against the terms of the loan modification. I have called SLS over ten ( 10 ) times over the past eight ( 8 ) months to try to resolve this issue. On XX/XX/XXXX, I finally got SLS to run an escrow analysis. In the escrow analysis ( attached as Exhibit A ), it shows that the monthly payment went from {$2200.00} to {$2300.00} due to an escrow shortage. Even though the reason for the increase from the modification amount concerns me as neither taxes nor insurance on my property had changed, I agreed to make that monthly payment. 

However, again, SLS did not abide by their own Escrow Analysis. As of XX/XX/XXXX, they have increased my monthly payment to {$2900.00} ( see Exhibit B ). This increase was made without notice and directly contradicts both the loan modification monthly amount and the amount from their escrow analysis. This is causing my payments to be held in suspense and is further causing my otherwise timely payments to be reported late. I am further being charged interest on a higher balance because they are holding my monthly payments in suspense. I am sending {$2300.00} monthly in accordance with their escrow analysis. I can not afford to pay the almost {$3000.00} they are demanding without any notice and against their escrow analysis. 

I pray for government intervention to investigate the unscrupulous dealings of Specialized Loan Servicing and to force them to abide by the law in servicing my mortgage. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Please see emails between vendor and myself. I canceled and requested a refund. Capital 1 removed charge then applied it bank to my credit card. I made every attempt to contact vendor by email and by phone to cancel and request them to refund my card asap. They never contacted me until I contacted Capital 1. Package was delivered, refused and returned to XXXX. Please see tracking information also regarding vendor received return. Capital 1 sent a letter to me that the charge is being applied back to my responsibility. They also requested further information if I did not agree with their decision. They said I could respond by fax which I tried numerous times. It is a non working fax number which continually rings busy. I called to speak with a supervisor to ask for assistance. She said there was no other fax number available to send documentation. They did send a link to upload my documents which also did not allow screen shots which they recommended I take and upload. After numerous calls an attempts with Capital 1, I had no recourse but to file a complaint, which is what I am doing. I also contacted customer service department at Capital 1 for their fax number, which the representative was kind enough to provide. Faxed over documentation to the ATTN : DISPUTE DEPARTMENT c/o CUSTOMER SERVICE. Please review. Thank you for your help to resolve this matter asap. 
XXXX XXXX XXXX
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (TX)

I have applied for an attorney with XXXX XXXX. The use First Advantage to run the tenant background checks. My application was denied based on the results of the background check run by First Advantage. I called First Advantage on XX/XX/XXXX to address their concerns. All charges are over 8 years old, some 15 & 16 years old. On XX/XX/XXXX, I reached out to First Advantaged and informed them that in the State of Texas, XXXX XXXX XXXX and XXXX XXXX. Sec, 20.05, A ( 4 ), specifically prohibits them from disclosing items longer than 7 years, My request to rectify the situation was to have a new report only going back 7 years. The dispute # XXXX, was completed with no change results, First Advantage, stated that FCRA was written prior to the Texas law is not taken into consideration. I filed a new dispute. # XXXX. Due to the extensive time line, I can not find affordable housing for my family.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2021 my XXXX year old grandson was looking in my phone and had mistakenly made a purchase at XXXX for the sum of {$330.00}. We were dining out at XXXX XXXX  XXXX 's Restaurant. After I had gave my debit card to the waiter I look into my phone and went online to my bank account to see how much they had charged me for the dinner when I notice that I was in the negative for - {$220.00}. I then went down the list of items to see how and what was ordered when i noticed that my grandson had ordered {$330.00} worth of toys I immediately left XXXX XXXX  XXXX and went to call XXXX to cancel the order I spoke to a representative and was told that the order had been canceled and that I would be receiving a email wihin 24 to 48 hours. The next day XX/XX/2021 I had recieved the email but the money was still not put back into my checking account I then called XXXX and TD bank and had spoken to both representatives and the TD Bank representative had canceled out the card that the order was made from because I had not given XXXX permisssion to keep my account on file and they did so any ways. the representative from TD bank told me that my funds would be put back in my account no later than Friday XX/XX/2021 and due to the matter of the case that as long as XXXX releases the money I would not be charged a fee. because I was over drawn for the sum of {$220.00} and I had taken {$400.00} from my saving and put it into my checkin to cover the balance of the over drawn fee. So friday comes and still my moneys had not been put back into my account so I called TD bank when a representative told me that the money was to be released on the XXXX of XX/XX/2021 and would be available on that following monday. So on that Saturday I went and check my account and {$170.00} was put back into my account but the overdraft fees were still there so I called again to TD bank and the representative put the over draft fees back. On XX/XX/2021 I went to check my bank account and see if the remainder had been put back and I see that I was overdrawn {$310.00}. I call TD bank and then I went into the XXXX, MA branch with XXXX on the phone and soon as I hung up from XXXX all XXXX bioke lose they started saying that the money was put back and they did not know about the {$170.00} because I screen shot everything and I had XXXX send me confirmation of the transaction. On the evidence that I have given to you you can see that all the transactions tha TD bank did are suspect because it doea not show the true factor and I ant my money back I can show that this is not the first time they have done this even back in XX/XX/XXXX, XXXX XXXX With XXXX XXXX I was suppose to get a return and I did not I have the email but the transaction does not show up on my banking account as a purchase or a return the same with XXXX XXXX I have the receipt for the transaction and refund but it does not show up on my bank statement This has gone on too long and something needs to be done
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

THIS IS EMERGENCY BANK OF AMERICA PRE-PAID CARD USE BY XXXX EMPLOYMENT -UNEMPLOYMENT INSURANCE BENEFIT, I HAVE CALL I HAVE SENT LETTER TO XXXX XXXX XXXX, MANY CALLS THEY HAVE CLAIM THE SENT E-MAL TO BANK OF AMERICA UNLOCK CARD THEY SENT E-MAIL WHILE I WAS ON PHONE I HAVE CALL TO FRAUD DEPARTMENT THEY CONTINUE CLAIM THEY HAVE NOT GOTTEN ANY E-MAIL THIS IS MY UNEMPLOYMENT IT DO NOT TAKE 2-MONTH UNLOCK YOUR CARD MY UNEMPLOYMENT CONTINUE SENT EVERY WEEK TO BANK OF AMERICA PRE-PAID , XXXX XXXX XXXX XXXX - REPORT FRAUD OTHER PEOPLE UNEMPLOYMENT WAS GOING IN PEOPLE PEOPLE BANK ACCOUNT WHEN SOME HAD NEVER APPLY FOR UNEMPLOYMENT I DO ID ME SHOW I WAS XXXX XXXX XXXX HAVE COMPLETED EVERYTHING THEY SEE MY DEPOSIT CONTINUE BEGIN DEPOSIT ON PRE PAID CARD I SENT EVERYTHING XXXX XXXX THEY ASKING DO HAVE PERSONAL BANK ACCOUNT I DO NOT IT SEEN BANK AMERICA PRE-PAID CARD DISCRIMINATION BUSINESS SCAM IT DO NOT TAKE 31 DAYS UNLOCK A CARD WHEN YOU CALL ONE AGENCY TOLD ME SHE WAS TOLD NOT TALK TO ME IT'S HARD LIGHT XXXX WARTER CUT OFF I NEED MY FUND SOON AS YOU GET MY COMPLAINT WHEN SOME ONE HOLDING UP YOUR UNEMPLOYMENT IT NOT GOVERNOR THEY SAID YOU ID THE LOCK DOWN MY FUND SOMETHING NOT RIGHT.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SECURITY CREDIT SYSTEMS INC (NY)

I received an alert on XXXX  credit report. I looked and it was notified this particular agency. Security credit systems. I have never received a notice. I dont believe I owe a debt. I call and call and call and it only ever goes to voicemail. So Ive never received any notice and now they put it on my credit report and I dont even know what its for. And Im sure that I dont owe it.
Consumer complaint received 2020-11-17
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: SYNCHRONY FINANCIAL (PA)

On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.