davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Mobiloans, LLC (MO)

I received an offer by mail from mobile loan. They offered me a pre qualified loan and at the time I filled out the application online. The result was a denial and they E mail blasted my personal information social security number bank card information all of the personal information you would normally associate with a loan to 68 payday lenders for their review. I felt the tactic was misleading to say the least and dangerous to my personal information to say the most. This kind of misleading advertising should not be allowed. I would like to see them honor the Offer they put out are at least stop these misleading mailers. 
Regards, XXXX XXXX
Consumer complaint received 2020-09-23
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. (NV)

I have a car loan with XXXX XXXX. On or about XX/XX/XXXX, I realized I would be late with my car payment as my business has gone under due to Covid. I called XXXX and told them my situation and asked if I could defer the payment. I was told I would have to pay {$840.00} by the XXXX of XXXX in order to get that deferral. They sent me a letter stating such. On XX/XX/XXXX, I sent the required payment, transferred from my bank account. XXXX XXXX reported my account delinquent to Experian and XXXX. I called XXXX and they said they would leave a note for their supervisor, but I should go ahead and dispute with the credit reporting companies. I disputed with experian and XXXX. 

Today, the results came back from experian, and it says after their investigation, they found it factual, however, now it says my payment was late and not only that it says my next payment is late. Today is XXXX XXXX. My payment is not due until XXXX XXXX, I paid them 10 days ago. Although it is not even my due date it has also been reported as late. 

My credit has taken a 75 point hit due to this. I have always had an exceptional payment history and now without income and trying to keep all my accounts up to date, this credit hit is keeping me from being able to advance.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022 starting on mid afternoon i received a text message from Bank of America about the suspicious activity on my debit card, then the problem persists until i get a phone call from XXXX ( bank of america ) and this person " was trying to help me out '' ( scammer ) and oriented me to go online and make this all transaction, this person stolen the amount of {$3400.00} from my checking account, goes to XXXX, then he was saying over the phone that this money will be available sooner because duo the investigation the money would be deposit in a new account, that what i say i do not want any other new account with bank of america.
Consumer complaint received 2021-01-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX , personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California ( 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner. 
XX/XX/XXXX XXXX XXXX XXXX records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX XXXX XXXX XXXX sells Plaintiff 's property to XXXX XXXX XXXX XXXX XXXX XXXX where XXXX XXXX participated in an unlawful auction that took place after XXXX XXXX, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have. 
On the date when the transaction took place, XXXX XXXX XXXX XXXX was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response. 
Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever. 
They also received a Notice of Default with Opportunity to Cure with no regard. 
The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists. 
In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.
Consumer complaint received 2020-11-26
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. (PA)

I disputed a collection account with company XXXX XXXX. The account was investigated and found to have violated the FCRA. The account was removed from XXXX  and XXXX  however Experian continues to report this collection account. The account isn't even marked as " disputed ''. This is a direct violation of the FCRA.
Consumer complaint received 2021-01-22
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: JPMORGAN CHASE & CO. (CA)

I am not able to book a rental car from the card company 's website - Chase XXXX XXXX XXXX XXXX. I called them to make the booking as well but they just waived their hands. Some error shows up on their website which they can't fix and I'm certainly sure if I follow their advice to book after tomorrow, the prices will change
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

I have recently been informed that there is negative information reported by Navy Federal Credit Union in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$3200.00} and {$4900.00}. NFCU has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. 
Please note as that sent XXXX letters to XXXX XXXX, and XXXX that they have 30 days to complete this investigation XXXX months prior to this complaint, as per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), and I have kept a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

I have recently been informed that there is negative information reported by Discover in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$1900.00} on XX/XX/2020. Discover has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I previously use XXXX XXXX XXXX in NJ. On XXXX, 2022 my lease expires and I move to XXXX . I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to N.J. Admin. Code 14:18-3.8, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (FL)

Tried calling the company on XX/XX/21 to go over account was advise that they sent out notice and a settlement offer advise did not receive! Ask to provide information and was advise they will not! And do not have to go over that information! Asked for a higher representative and was advise no! Rep on the line then advice she is a supervisor ( which goes against udapp : miss representation ) then I was placed on hold for at least 5 minutes! Tired to call back and was passed around the company just advise pay your bill! And that they will just advise Im refusing to pay advise the reason for the call is to resolve advise then pay thats how I can resolve bill. Advise Im trying to get an understanding of my account and was advise as long as I understand that the balance is due nothing else is important PAY YOUR BILL no need to talk about anything else and the call was disconnected.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Balance : {$17000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : $ XXXX This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account.
Consumer complaint received 2022-07-22
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  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 XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-10-23
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. (TX)

I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.
Consumer complaint received 2022-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NC)

We received assistance through NC Assistance Fund for our mortgage. We have a mortgage with Midland Mortgage. An ACH payment of {$11000.00} ( payment ID XXXX ) on XX/XX/2022. Midland mortgage still has not applied the funds and keeps sending us loan modification documents we didn't request. We tried working with Midland mortgage and sent back three signed separate loan modification documents at the beginning of the year. They kept denying the forms saying I hadn't signed them correctly. They never processed the modification after trying to work with them for four months. We then qualified for assistance with the state of North Carolina through the NC Assistance Fund. Now our mortgage company is refusing to process the payment and trying to pressure us into accepting a loan modification that is quite a bit higher per month than what I pay now. The funds from NC Assistance brought our account current and they are to receive a payment in XXXX, XXXX, and XXXX. Please help me with my mortgage company applying the payment. They accepted the payment and haven't reversed it.
Consumer complaint received 2021-01-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On Monday XX/XX/2021, XXXX XXXX XXXX XXXX, I approached the TD Bank branch at XXXX XXXX XXXX New York, NY. It was approximately XXXX am.There was a XXXX crew working at that corner and there was a XXXX guard inside the ATM area. I was advised to pull my face mask up.There were XXXX ATMs .One of them read, " Out of service ". I made an ATM withdrawal for XXXX dollars on the other XXXX but it did not print out a receipt.When I attempted a balance inquiry the machine kept my card.I spoke to XXXX at TD bank Customer service over the phone later that day and he advised me that TD bank could retrieve my card for me and return it to me When I spoke to XXXX, the Branch XXXX at the site of the occurrence, he would not agree to return my XXXX manifests some of the irregularities that has resulted in my not getting Employment offers, Credit Approval or Acceptable account balances through TD bank.My Account balance has not been restored.
Consumer complaint received 2023-05-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (FL)

This is an old loan for 2016 with XXXX that apparently has been transferred to synchrony for some reason its reporting like a new loan again on my credit report. Every address or phone number showing on this report is invalid or disconnected. When you try to call Synchrony bank separately and explain the issue, they either tell you they don't know what you're talking about, or they transfer you to a department that just disconnects your call. I have tried disputing this with the credit bureaus for the fact that it is 7 years old and reporting like new debt and the fact that I have tried every avenue available to me to contact them and settle this and can not reach anyone the number listed on the credit file is invalid and disconnected.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Hello, coinbase has closed my account with no reason to why, I had {$600.00} in my regular coinbase account, but around $ XXXX in my coinbase pro account and now that account just doesnt exist. Im allowed to withdrawal my funds from regular cb account but I cant even access or find the coinbase pro account.