davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I have reviewed my credit report and notice there were some inaccurate information that will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Columbus XXXX Ohio XXXX Please Delete Telephone numbers that do not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX This is my number ( XXXX ) XXXX
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION (NC)

After noticing, online, compromising activity on our Truist checking account and fraudulent charges on our BB & T Visa Credit Card, I immediately reported this to Truist 's Fruad Dept. at XXXX on XX/XX/2022. They advised we should go to our local branch office and freeze all of our accounts except the debit card, which was not compromised, and open new accounts. My husband and I followed their advice and went to our local Truist Bank on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and closed the accounts.The compromising activity in the checking account was credited back to our savings account, but Truist replaced our BB & T Visa Credit Card that had a 11.90 % INT rate ( the card with fraudulent charges ) with a new Truist Visa Credit Card at 13.400 % INT rate. After complaining to Truist, we were advised to send a letter to the Truist Headquarters, XXXX XXXX XXXX, XXXX, NC XXXX, which we did on XX/XX/2022. We are senior citizens on fixed income and needless to say, this larger INT rate has put an extra financial hardship on us. To date, Truist has not responded to our letter and has not changed the INT rate. We believe this is an unfair business practice.
Consumer complaint received 2022-10-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CREDIT CARD : XXXX Date : XXXX of 2022 Payoff {$340.00} Date paid : XXXX, 2022 I got COVID during the month of XXXX My payment records were excellent I had auto payment ON on my account with XXXX The credit card reported a 30 days late on my payments. As soon as I noticed that LATE PAYMENT, I called XXXX and they said they will fix the error. I went ahead and paid the full balance at that time to avoid more problems. I didnt owe much anyway and paid. 
XXXX said I removed the auto payment which I dont recall doing. 
I asked them to fix the 30 days past due and they said several time they will do it but they lied and they never did. The 3 credit agencies XXXX Transunion and XXXX got the report from XXXX with the 30 days past due. 
I asked XXXX to remove the bad credit as I was an excellent payer and that with the COVID I may have done a mistake or error with the account ( I got brain fog ) I still dont know what happened. 
They said they will but they never fixed it.

I sent COVID hospital reports and still they didnt fix it It is hurting my good credit
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!
Consumer complaint received 2021-01-20
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: Garcadia Financial LLC (SC)

There are unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FOURSIGHT CAPITAL LLC Inquiry : XX/XX/XXXX and XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

XX/XX/XXXX XX/XX/XXXX Balance XXXX $ This company have harassed me on multiple occasions even after telling them that the phone is not mine. Ive contacted them via mail on 2 occasions requesting the information on my credit be verified. Ive asked for contracts signatures or anything stating this account they are claiming is mine, is mine. I have yet to get a response just a remark on my account saying its been updated when nothing has been updated. This company is a fraud and is trying to get over on people. By law i am entitled to verify anything that is on my credit and they are not giving me that right.
Consumer complaint received 2021-01-20
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)

Upon reviewing the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX with balance of {$850.00} incurred, I have no acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission. According to Fair Credit reporting act, section 609 ( a ) ( 1 ) your company is required by federal law to verify through the physical verification of the debt balance of the original signed certified consumer contract of any all accounts you request to be posted and or reported on credit report. Within consumer rights to demand a copy of the verifiable, validated proof of an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered as proof. Under FCRA, unverified, invalid accounts must be Remove upon receipts of this notice within 15 business days.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (PA)

On XX/XX/2020 my wife 's grand parent applied and get approved for a credit card with Pentagon Federal Credit Union. He added me as an authorized user. The Covid situation affected us and he was not able to make the payments. Based on the Pentagon FCU card agreement, which I attached, " ... I am not financial responsible for this account ... '' since I am not the account holder, just an authorized user. The account is showing on my credit report and is affecting me now when I'm trying to purchase a home for me and my family.
Consumer complaint received 2021-01-20
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. (TN)

TransUnion rental screening also known as Smartmove by TransUnion released a application that I filled out as a possible tenant fir a property on XXXX XXXX XXXX XXXX, TnXXXX. The agent is XXXX XXXX and she works for remix. I applied and was denied rental fir EViCTION. I have never been evicted and knew nothing about this until now. I have lived at the same residence for 3 years. I called the rental screening third party XXXXXXXX XXXX  who supplys the application. Then they buddy up with smart move TransUnion to get their false info and percentages used to analyze what kind of possible renter I may be what I may or may not do based on someones opinion. My score and report came back with a Wviction. I contacted the Tennessee civil circuit clerks office and they supplied me with a document that shows in XXXX when I was living at my current address that someone filed a judgment but it was dismissed and there is a XXXX balance abd it us a NA non suit and it was dismissed a few months after that. This has never appeared in anything I have before. I contacted TransUnion filed a dispute in XX/XX/XXXX and they said that the info they supplied stating u was evicted us correct. I disputed again and they are refusing to do anything about the knowingly false information if a eviction. I was told verbatim quoteTgere us just not another category tk out this dismissed judgment under because its nit criminal or identity, I was appalled. They refuse to fix this.Help. Thus company has 100s of class action suits against them fir this reason!
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (PA)

I received a derogatory hit on my credit report from AWA collections. They said its for an outstanding debt from a dental supply company ( orascoptics? ) Im not in the dental field!!! I never applied for any loan or credit with these people either. 
I was unable to resolve this with AWA and orascoptics never replied to my attempts to contact them. 
I am in the process of selling and buying a home, so this is not good right now. 
Can you resolve this in a timely manner pleeease, or tell me what I should do. Isnt this illegal?? 
This is already annoying me ... I shouldnt have to go out my way and waste my time for a fraudulent report. 
Thank you!
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MI)

National Credit Systems ( XXXX, GA ) is attempting to collect a debt owned to XXXX  XXXX  ( XXXX, MI ) for XX/XX/XXXX. I discovered this collection on XX/XX/XXXX on a periodical review of my credit reports. I contacted National Credit Systems and was informed this collection was a result of failed payments on a lease signed XX/XX/XXXX. After reviewing these documents I discovered this signed lease extension was done fraudulently with my forged digital signature. I was a resident of XXXX XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX was added to the lease with the intention of becoming primary lease holder. My information was to be dropped from the lease. The last communication I received from XXXX XXXX  was on XX/XX/XXXX. No attempt was made to contact me via phone or email to extend the lease. I have filed a police report with the XXXX XXXX  XXXX ( XXXX, MI ). I also signed an affidavit with the Federal Trade Commission regarding the identity theft. 

XXXX XXXX claims that they have no record of the collection, as they changed parent companies. Their former parent company XXXX XXXX XXXX ( XXXX, GA ) is unreachable to discuss this collection. National Credit Systems has not been helpful at all in this process and have been using scare tactics to get me to pay this debt, which is a result of identity theft. Attached is the police report and FTC affidavit.
Consumer complaint received 2021-01-20
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: CITIZENS FINANCIAL GROUP, INC. (AZ)

Hello, I have no idea what this account is. 

I HAVE NEVER applied for any account with CITIZENSONE Bank and have never had a account with this bank. 


This inquiry along with this account has NO merit, it has been reported to XXXX Police Department XXXX XXXX XXXX. 

This account is the result of fraud.
Consumer complaint received 2021-01-20
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. (TN)

On XX/XX/XXXX at XXXX XXXX USPS attempted to deliver my certified mail for final delivery, in which Transunion Credit Reporting Agency failed to accept. This is my 2nd letter by certified mail requesting verification of accounts on my credit report. I have not received a written response nor is it reporting disputed on the accounts that I've disputed on my TransUnion credit report. Under the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) the credit reporting agency has thirty ( 30 ) calendar days to complete an investigation. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the attached unverified accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act, specifically 15 USC sections 1681i ( d ) and 1681j, requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. As of XX/XX/XXXX there are requested unverified accounts that are still reporting on my credit file which is well over 30 days from my very first certified letter ... Included in the dispute I stated to TransUnion CRA to update/correct my personal information on my credit file, with the correct information that was given and to please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate ... My personal information was not completely updated as requested in attached letter. The letter was enclosed with the proper identification documents to update my personal information.
Consumer complaint received 2021-01-19
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. (TX)

XXXX XXXX Credit Card or XXXX XXXX XXXX  is reporting an item on my credit report that is not mine. I have attached the following notices sent to XXXX, Equifax and XXXX with regard to this item. I have also sent notice to XXXX XXXX XXXX XXXX and requested that the item they are reporting in my credit file is not mine. I am attaching the notices sent under Section 609 FCRA which REQUIRES XXXX XXXX XXXX XXXX  or XXXX XXXXXXXX XXXX to provide specific documents under Section 609 FCRA and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with Section 609 FCRA. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX however they continue to erroneously report this item on my credit report. My complaint against XXXX, Equifax and XXXX is that although being noticed under Section 609 FCRA, Collectively XXXX Equifax and XXXX are not requiring as part of their investigation XXXX XXXXXXXX XXXX XXXX or XXXX XXXXXXXX XXXX to comply with Section 609 FCRA. All of the above named parties are in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. I am asking for the CFPB to investigate my complaints and take the appropriate action under Section 609 FCRA. I am attaching a notice by the FTC regarding a lawsuit filed against XXXX for the exact same type of violations under Section 609 FCRA.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One bank permanently restricted my checking account back in XX/XX/2020, and charged off my {$130.00} overdraft. 

On XX/XX/XXXX, they not only accepted my {$600.00} stimulus check into this restricted account, but have also garnished the {$130.00} from it, and didn't even notify me that it was received by account a full 12 days ago at this point. 

I've spent hours today trying to speak to someone and resolve this issue with no resolution in sight.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

FRAUDULENT MORTGAGE LOAN SERVICING ( XXXX ) BY XXXX XXXX XXXX, SPECIALIZED LOAN SERVICING ( SLS ) AND XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) WITH RESPECT TO XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX LOAN # : XXXX, XXXX XXXX # : XXXX XXXX XXXXXXXX XXXX, Specialized Loan Servicing ( SLS ) and XXXX XXXX XXXXXXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) have violated the mortgage origination documents by introducing a new unsolicited balloon loan of {$380000.00} into the home relief option expected to bring relief to the borrower ; but now pain, because they have threatened to foreclose my property unless I agree to sign the additional balloon loan agreement on or before XX/XX/XXXX ; as a solution to resolve the unpaid arrears of {$100000.00}. They refused the extension of the maturity date of the loan from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX as the Retention program provides ; but instead allow only 1 month extension from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
Specifically they are violating Clause 3F of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) which categorically states that only the deferred non-interest bearing amount of {$150000.00} will be due for payment at maturity, by year XXXX ; or when the mortgage principal of {$510000.00} is paid off ( see page 109 of the attachment ). SLS claim the balloon amount is at the instance of the Investors guidelines- XXXX XXXX XXXXXXXX XXXX XXXX XXXX which violates all the agreements concerning the mortgage loan and therefore violates RESPA and Home Retention Program. 
Specifically they have violated Clause 4 of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) -RESPA because they have refused to account for the application of the about {$560000.00} I have paid towards principal and interest payments from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2021-01-20
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: Self Financial Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Credit Bureau is refusing to investigate or replay with same answer.