davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$330.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX LLC ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX Balance : {$7000.00} ; XXXX  XXXX  XX/XX/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 XXXXXX/XX/XXXX 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 2023-07-19
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: Velocity Portfolio Group (AZ)

have been getting calls saying that i owe a debt I recently filed for Identity Theft and wasn't able to add all the accounts on the Identity theft report but I have # 3 accounts here that are under Identity theft that I wasn't able to add XXXX XXXX XXXX XXXX XXXX XXXX  I would like them off my credit report and would like for this company to stop exposing any private information that it has of mine. I have no contract with this company and no dealings at all ( 15 usc 1692 )
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with Fair credit Reporting act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX OF XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-07-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

XXXX XXXX I signed up for the XXXX Forbearance plan. My wife had to stay at home to take care of our kids since there were limited spaces in daycares. As an XXXX XXXX member of the XXXX XXXX XXXX, I wasn't receiving enough housing allowance to pay the mortgage payments myself. So that is why I applied for the forbearance hoping that Flagstar will uphold their end and just put what I owed to the end of my VA Loan when I can start making payments again. In XX/XX/XXXX, the XXXX raised the housing allowance for XXXX XXXX members in our area. So I was able to resume making mortgage payments again. But since I was already in the 3 month forbearance plan at the time I couldn't submit my loss mitigation application until after. When I submitted the loss mitigation application in XX/XX/XXXX, I was denied all loss mitigation options. It did not even mention loan modification like it was advertised. I tried to continue making mortgage payments by phone because they took away the option to pay online. But I couldn't do that either because I needed to either submit a loss mitigation application ( which I did ) or I need to pay the lump sum ( which I can't ).
Consumer complaint received 2022-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

I had a problem with Carrington Morage Company. I was sent a letter for forbearance during the beginning of Covid. I called and was told I would have to pay all at once when forbearance was over and was told it would not be a good option or if I don't have it I go into foreclosure. This wasn't correct. There was Care act which I qualify for. This has decreased my health tremendously trying to make these payments.i have stressed and struggled. Carrington offered me no other solution.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (CA)

Debt collector called this morning on behalf of barclays bank delaware. 

( XXXX? didn't know how to spell her own name, first spelled it with an XXXX then a XXXX I had to ask her to spell it multiple times, she didn't even want to give the name. I think she changed the last name too. I'd want to check the recording. ) given spelling was " XXXX XXXX '', No debt collector license number, said she holds no license. called at XXXX to harass me in violation of cease and desist and the ongoing fraud case and bankruptcy. hung up on first call since I was very rude since she called me while I was writing a complaint about XXXX and was in no mood to be harassed, I called back. she denied things that she has no basis to deny. ( no one owes you money. no one broke into your home ; she would have no way of knowing, and yes they did. police report and contracts show they did ) lied about things etcetera. Very very inappropriate and irritating call. I asked to speak to a manager, waited for XXXX minutes, no manager available, will call back at XXXX pacific. ( XXXX now ) as the manager is in a " meeting '' but was told to call back at XXXX eastern. cease and desist.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Respected Officials, I noticed a credit of {$48.00} issued for a dispute I opened with Bank of America. But I received a notification on my mobile saying an extra XXXX cents were credited. I don't know why they credited the extra money. I want them to take it back. 

Claim number : XXXX Even though I indicated that my house hold has 3 members, my son is out of state enrolled in a university. But he is officially a resident of California as he is not XXXX yet. 

Thanks XXXX
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I authorized an online check payment on XX/XX/2022 to a business. The check was issued and mailed and someone forged the signature and cashed the check at another banking institution. I've completed all forms related to filing the claim multiple times. The Payee refuses to sign the affidavit but has indicated that they never received, signed nor cashed the check. 
My last conversation was with my bank Check who refuses to open the investigation because the payee will not sign their affidavit. Which I have zero control over. 
I am out {$1700.00} and Chase Bank refuses to assist because I can not get a signature from the intended payee on their affidavit. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Bank : JP Morgan Chase XXXX
Consumer complaint received 2016-12-16
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mobiloans, LLC (TX)

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.
Consumer complaint received 2024-04-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WV)

I have a {$50.00} AmEx gift card and I tried to purchase stuff on XXXX and other retailers earlier this month and no matter what I did this AmEx gift card would not work. I tried an XXXXXXXX XXXX XXXX XXXX and individual purchases, and nothing worked. 

The irony is that it let these retailers place XXXX cent holds on the card which lowered the available balance only for the purchase to be declined. Then as I tried each purchase multiple times and on other retailers it still took XXXX cent hold multiple times that lowered my balance a few dollars and it did this for several days until the hold was taken off. 

I then searched places like XXXX and AmEx 's own website who said that they block some online retailers including XXXX do this to cut down on fraud. Thats great, but because of some bad actors you punish the rest of the AmEx gift card recipients by being unable to use this card how most people shop in 2024 ( online ) and on the biggest retailer to shop online ( XXXX ). 

This is the particular reddit post I found : XXXX XXXX XXXX Most physical and online retailers also place a hold or authorization on the gift card further removing the total balance available on the card. This makes it so once you purchase something you will not be able to use the entire balance of the card leaving it with some funds that AmEx knows will never be able to be fully used but sure enough whoever purchased the gift card or got credit card rewards to give this card as a gift had to pay the entire value of the card. 

A reddit thread is what directed me to use the CFPB and that AmEx issued a check for the total amount that was on the card so that it could actually be used by the consumer and for the full balance on the card. 

Other gift card providers like XXXX do not have this problem and I was able to use their gift cards anywhere that XXXX was accepted. AmEx can learn from them about how to be better.
Consumer complaint received 2023-06-15
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. (DC)

This is my Follow-up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (NY)

This is my seccond 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 an 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 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 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have both credit and XXXX through synchrony/Paypal. I am not able to make payments anyway but call hold for 30 min and give info to rep for fee. I have 3 checking accounts. 2 from same bank business/personal and one checking/savings at another bank. I have tried to link all three accounts at different times and none of them work. I use all three of these accounts on paypal to buy anything from anyone but can't pay them. I have called for months and sychony tells me I have to talk to PayPal and Paypal says talk to Synchrony. I have tried with both. They will link my account and then say the payment bounced on both accounts. I call the bank and they do not show it ever hitting account. I have been charged late fees and I'm now 30 days past due. I called Synchrony directly and they transfer me back to synchrony/paypal and the run around starts again. I do not want this on my credit and I should not have to pay late fees when it's their system and they don't even care. I am questioning if there is a scam going on. I have never had a problem in 30yrs just paying a credit card. Plus the money was in my account when they claim this check bounced. It's not the first time either. I have names and ID 's for some people that I have spoken to at Sychony.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion and XXXX are showing a XXXXXXXX XXXX Bankruptcy on my credit report. The XXXX XXXX Bankruptcy should be removed from my credit report because it's been discharged since XX/XX/XXXX  which was 13 years ago. 

XXXX XXXX Bankruptcy reference number XXXX filed XX/XX/XXXX  and discharged XX/XX/
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have a-lot of knowledge when it comes to the fcra and i know that no consent is identity theft so since i did not give my consent to these creditors listed on this identity theft report to send XXXX nor Experian any information about transactions or to report any information or data on my consumer report this means these fraudulent credit cards and loan must be deleted permanently from my credit report in the next XXXX business days meaning by XX/XX/year> all of these accounts should no longer be reporting on my credit since the law says thats the amount of time yall have to make this right! my credit reports contains some credit card accounts and a loan that is not verified and information that is not 100 % accurate these credit cards and the loan are not being reported correct at all! This is against the laws that protect me as a consumer The fair credit reporting act states that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) If not deleted I plan to sue Experian for {$7000.00} in federal court and I can sue XXXX for {$7000.00} in federal court which is {$1000.00} per violation!
Consumer complaint received 2023-06-15
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. (SC)

This will be my last Complaint to inform the TransUnion Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the TransUnion Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a copy of my credit report from Transunion. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below and freeze my account : * XXXX XXXX -- XXXX XXXX * XXXX  XXXX -- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 
If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 
Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except thatA ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer.

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Kind Regards, XXXX XXXX
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Group Inc. (MO)

I obtained a loan from United finance back in XXXX to purchase a XXXX XXXX XXXX. Ive been paying on it every since. Im occasionally past the due date but almost always within the 10 day grace period. Ive been late past that a few times when spending excessive amounts of money to fix the car. I always communicated with them if there as an issue. My ex husband went in and got a car a XXXX XX/XX/XXXXwhich was a lemon. He took the car back and requested it be auctioned. They sent a letter saying it was sold for a few XXXX dollars and after fees barely anything applied to the balance. That has nothing to do with my car. I missed a call from them today and I logged on later in the evening to set a payment for the XXXX when I get paid, however, upon logging in I see my account shows as closed. And it is NOT!