davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC (FL)

Dear Sir/Madam, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by Flagship Credit Acceptance LLC in the state of Florida.

It has come to my attention that Flagship Credit Acceptance LLC does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter 559 Part VI and RULE 69V-180, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority.

Despite lacking the requisite licensing, NCS has continued its attempts to collect a debt from me for the last XXXX years XX/XX/2017. This conduct is not only in violation of Florida law of the Statue of Limitation in Florida : The statute of limitations in Florida on debt is five years. This means that once the five-year timeline has expired, creditors can no longer file a lawsuit against the borrower to try and recover the debt but this is also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that Flagship Credit Acceptance LLC ceases its unauthorized activities to this alleged debt. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both Flagship Credit Acceptance LLC and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of Flagship Credit Acceptance LLC in the state of Florida. If Flagship Credit Acceptance LLC can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have just started tracking my credit score, and I have not opened any credit cards besides a XXXX XXXX XXXX XXXX XXXX when I turnex XXXX, which I am working on closing the account when that card went missing. I believe it was XXXX credit lines opened I have no knowledge of. XXXX XXXXXXXX, XXXX and a Capital One Card. I have a car payment and other bills, but I have not applied for any other credit lines. I am looking to get a house in the next year, and I was shocked to see such a poor line of credit I had no knowledge of. I had previously had my Social Security number stolen, I went to my bank immediately to resolve it. This was over a year ago, matching when these lines of credit showed up on my report. I have been in the process of moving, I have not taken the time to contact each company as I figured I could inquire about the main issue, I believe my Social has been compromised again.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (OK)

On XX/XX/24 I noticed my account balance was XXXX. When I went online and checked my account I noticed two charges to a component called XXXX one amount for XXXX and one for XXXX and that those amounts was on hold and had not cleared. I contacted credit karma and advised them I did not authorize those charges. I was told there was nothing they could do until the transaction was completed then I could file a dispute. I also noticed two other charges that I did not authorize for XXXX and XXXX to XXXX XXXX. I was able to talk to someone at XXXX XXXX and they called the number to the fraudulent account that was opened with my info and money. They XXXX called and a man answered the phone and when I confronted him he hung up. XXXX XXXX advised me that they knew it was a fraudulent account and to contact my bank for a refund but XXXX XXXX would not give me the phone number on account.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my multiple endeavor 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. 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 or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX. Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

A fraudulent charge was made on the card and soon after reported. The fraudulent claim was denied and claimed the item was delivered to my address, which is false. 

I never made a purchase anywhere near the date of the transaction and never received a delivery after the date of the transaction. 

I was never contacted during the investigation and was only sent a denial letter. 

The card is less than a year old and all purchases were made either online or at our local XXXX 's store. The fraud is likely an internal issue among XXXX 's employees or their affiliates. 

FYI, we have purchased nearly {$20000.00} using this Lowe 's credit card during the 6 months or card ownership and the fraudulent portion was for {$340.00}, fraudulently charged well after the competition of our purchases.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

I have a mortgage for a condo in XXXX XXXX IL. My mortgage was initially through XXXX XXXX, it was sold to Mr. Cooper powered by XXXX XXXX in XX/XX/XXXX. My mortgage gets raised every year to due to an escrow shortage, but it appears to me the increase in price is wildly disproportionate to the actual tax and home owners insurance increases. I am unclear how or why I ever fell into an escrow shortage, as I have never once missed a mortgage payment. This year in particular, the mortgage raised by {$1900.00} for the year while my home owners insurance went down and taxes have only raised by {$41.00} so far. I am also observing some discrepancies between statements and I'm unclear where those are coming from I initially called my mortgage provider regarding this issue on XX/XX/XXXX and spoke with XXXX. She told me that the mortgage had gone up because they had it marked in the system that the second installment needed to get paid in XXXX, when it actually needed to get paid in XXXX. She noted that change and told me the escrow payments should drop. on XXXX I observed the payments hadn't dropped so I contacted my mortgage provider again. On this day, I spoke with XXXX. XXXX told me that XXXX was misinformed, she stated that there were XXXX main issues. I initially fell behind because the tax rate was calculated incorrectly when I first signed the mortgage, so there wasn't enough getting put in the escrow to begin with. Another issue is that my account wasn't meeting a minimum balance requirement. She could not explain to me what the minimum balance requirement was, how that was calculated, or when or how I fell below that. I am still confused about what that is. 

In reviewing my statements today to write this complaint, I also observed a discrepancy between my XXXX escrow statement and my XXXX escrow statement My escrow statement in XX/XX/XXXX stated my final end balance for XX/XX/XXXX was {$1900.00}. The XXXX XXXX statement says that the starting balance for XXXX was {$1400.00}. There is nothing documenting where those {$500.00} in funds went. 

I also observed a weird discrepancy between the tax bill I pulled from the and the escrow statement. The mortgage statement states that they paid {$2000.00} in taxes in XX/XX/XXXX, but the tax statement from XXXX XXXX XXXX says they received {$1800.00} in XX/XX/XXXX. 

I would like a third party professional to review my documents, help me understand the escrow calculations, and explain the discrepancies I am finding please.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint against the XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Reported, and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. 

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paramount GR Holdings, LLC (MD)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX I received a call from my bank within three hours of three unauthorized wire transfers going out of my commercial banking account with TRUIST. They failed to freeze my account at that moment and start a recall as I went to the nearest location to see what was happening. They checked my account and found three transfers were being attempted and only then did they call their fraud team to get a swift recall in action. I was told by the bank manager that the transactions would " fall off '' over night '' and to come back in the morning the XXXX to open a new account while they froze my current account. By the next morning, one transfer was returned for {$55000.00} from XXXX XXXX XXXX, but two others were still under investigation. One transaction to XXXX XXXX for {$65000.00} and the other to XXXX XXXX  for {$35000.00} for a total of {$100000.00}. They bank manager told me they would keep my current account locked down to only receive funds and nothing to go out and opened a new account. The bank FAILED to lock my current account as they promised until nearly 9 days later when I caught it as funds were automatically being deducted from prescheduled IRS payments. I was shocked they also did not lock down the ACH transfer option on that account AND the new on as that was exactly how my account was robbed. Since then, nearly a month later, I have only received back {$7700.00} from XXXX XXXX. During that time immediately on the first day I filed a police report and was assigned a detective who has been trying to help me with subpoenas from the banks underway, I reported this to the FBI, the FDIC, XXXX XXXX, the FTC, XXXX Georgia XXXX personalities, and XXXX XXXX where the funds were all wired in Florida for both successful transfers and to the one that was returned. He was the ONLY person that got back to and told me to report to you. I am a loss as to what to do. TRUIST bank is a mess. The Fraud team told me on a recorded line it could have been an employee sharing badge that allows the fraud to happen by another party, and that sometimes people open new accounts that get hacked the day after the other account was stolen from... they have done very little in communication with me unless I initiate it and it's about a 30 % response rate they get back to me. I also held the management to account who told me they would " fall off '' and learned from another manager that was never happens and was false information. He replied by reporting to a regional manager what said they would try and negotiate with the other banks until they got a satisfactory refund. {$7700.00} is definitely NOT satisfactory especially since I reported this immediately when it was discovered and the bank was slack to respond. 

Can you advise? Should I get an attorney?
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Purchase date- XXXX ARP- XXXX Finance chargeXXXX Total of payments- XXXX Amount of Payments- XXXX I absolutely believe I was definitely overcharged for a XXXX XXXX XXXXXXXX that I can not drive at the moment because of the transmission need to be replaced I am having a hard time trying to get repairs on the car because the job will cost me another XXXX to replace the transmission on top of continuing to make payments of a non working vehicle. Credit Acceptance employees will harass you after you set up a payment plan they will still report to the credit bureau as missing payments which put my credit in complete jeopardy.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.