davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On or about XX/XX/2020, while looking at my Citi credit card account online, I noticed that there were charges to my accounts that were not incurred by me. They were numerous charges made in XXXX, charged by XXXX XXXX XXXX XXXX XXXX. I was never in XXXX, nor did I order anything online from XXXX. 

I immediately called Citi Customer Service, and informed them that these charges were fraudulent, and was reassured that Citi would take care of removing these charges from my accounts. 

When I received my next statement, inXX/XX/XXXX, I noticed that only some of the fraudulent charges were removed ( total fraudulent charges were {$640.00}, fraudulent charges removed were only {$210.00} ). I placed numerous calls to customer service and was repeatedly assured that the charges would be removed. 

I wrote three letters to them, certified mail, but they never responded, and the fraudulent charges are still on my account.
Consumer complaint received 2022-10-28
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: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX Ct, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/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 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My issues are with Select Portfolio Servicing inc. My Loan number is XXXX On XX/XX/XXXX I received a letter from SPS stating the acceptance of my forbearance plan. It stated that I would not owe any monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a Balloon payment due XX/XX/XXXX. 

On XX/XX/XXXX I called to discuss the plan as It was incorrect. I had already made a payment, that had been received by them XX/XX/XXXX and deposited towards my XX/XX/XXXX payment. I stated that I would not be making that balloon payment on XX/XX/XXXX, as the dates and numbers in the letter were incorrect. 

On XX/XX/XXXX I submitted an inquiry to the companies ombudsman regarding the situation. I sent in all documentation of payments made. To correct the issue on the forbearance plan. 

On XX/XX/XXXX I received a letter regarding my inquiry. It stated that I had in fact made the XXXX payment. 

On XX/XX/XXXX I called to confirm that the Forebearance plan was in fact active and had been adjusted to make the balloon payment to XX/XX/XXXX. I was told whatever changes needed to be made and would be made accordingly and I would receive a letter stating said facts. 

On XX/XX/XXXX I checked my credit score and it showed that I was in default on my home loan On XX/XX/XXXX I called SPS again to confirm. they stated that it was a timing error, but that they would be able to retroactively deal with the credit score error. 

On XX/XX/XXXX I received a letter stating I was in default on the loan On XX/XX/XXXX I called and was told I had opted out of the Forbearance plan on XX/XX/XXXX ( The day I called to dispute the lack of XXXX Payment ) I told them I did not opt out, that I told them I did not agree with a balloon payment in XXXX since I had already made XXXX payment ( Investigations since that call show I was correct and did make the payment ) That is where we are today
Consumer complaint received 2024-01-12
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. (CA)

In order to REMIND the XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion Credit Bureaus MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; DPT ED/XXXX XXXX Balance : {$9500.00} ; DPT ED/XXXX XXXX Balance : {$1500.00} ; DPT ED/XXXX XXXX Balance : {$9500.00} ; DPT ED/XXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$6300.00} ; DPT EDXXXX XXXX Balance : {$3900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT ED/XXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT ED/XXXX XXXX Balance : {$2000.00} ; DPT ED/XXXX XXXX Balance : {$9000.00} ; DPT ED/XXXX XXXX Balance : {$1200.00} ; DPT ED/XXXX XXXX Balance : {$4200.00} ; DPT ED/XXXX XXXX Balance : {$6400.00} ; DPT ED/XXXX XXXX Balance : {$2600.00} ; DPT ED/XXXX XXXX Balance : {$5300.00} ; DPT ED/XXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX reviewing Identity analysis report I found the following information as to why my credit bureaus reports are all over the board. Under XXXXXXXX XXXX web search XXXX XXXX, no knowledge of this person. States record created XX/XX/XXXX, with the date of birth of XX/XX/XXXX. It shows last XXXX social security number as XXXX, which is mine. From Texas zip code XXXX and last XXXX DL # XXXX. Says site ; XXXX, breach occurred in XXXXXXXX XXXX XXXXXXXX. ID XXXX. Phone number XXXX, update, date XXXX @ XXXX. This is the proof I have been seeking for 2 months to figure out why my credit score keeps plummeting. This helps explain why so many duplicate inquiries. You can see from the searches that someone is trying to manipulate my credit report for their good. The only explanation as to why this name would appear anywhere in my credit report is FRAUD SUPPORTED BY EXPERIAN, XXXX, XXXX AND FICO FOR THE BENEFIT OF INCREASING BIG BUSINESS INTERSTATE. There is no concern as to why a person out of the blue is shown up in my credit report information from Experian.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems has reported an account for {$600.00} in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased
Consumer complaint received 2024-02-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: World Acceptance Corporation (GA)

A payday loan was taken out with my information and was deposited to the person 's account without my knowledge someone is using my information i did not apply for the loan tried to contact the company to inform them they would not listen to me
Consumer complaint received 2022-10-28
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. (OR)

On XX/XX/2022 I viewed my Transunion credit report online and saw an inquiry that I have no knowledge of and that I did not authorize. The inquiry was from XXXX XXXX for XXXX XXXX which is not my name.
Consumer complaint received 2020-06-16
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WILLOW BEND MORTGAGE (TX)

I originated my mortgage through Willow Bend Mortgage in XX/XX/XXXX. In XXXX of XXXX my personal information ( SSN, birthdate, phone number, false name, false email ) was used to purchase a new XXXX at a XXXX ( {$1200.00} ), financed on a new mobile plan. The bill was never paid and my credit score fell drastically. In addition, Willow Bend Mortgage made inquiries into my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I believe half of these inquiries lack necessary approval from me ( XX/XX/XXXX to get the mortgage, XX/XX/XXXX & XX/XX/XXXX could possibly be check ups? ). Willow Bend inquiring into my credit without permission roughly 30-60 days after the fraud occurred led me to reach out to the company to try and get more information. I was directed to an employee who stalled and delayed as much as possible and never provided any useful information. Multiple follow up attempts failed to initiate dialogue with a representative of the company. Willow Bend sold my mortgage immediately and it was the new service company that alerted me to numerous problems with my mortgage origination ( ex : incorrect property build date ). As a result of inaction on the part of WBM I can't collect sufficient information to repair my own credit, further preventing me from moving to pursue work opportunities elsewhere.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXXXXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX XXXXXXXX XXXX XXXX BalanceOwed : {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX BalanceOwed : {$2500.00}, XXXX XXXXXXXX Balance Owed XXXX {$18000.00}, XXXX XXXXBalance Owed : {$660.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2500.00}, XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had a secured credit card with XXXX XXXX. XXXX XXXX closed my account and placed account in collections as a charge-off and sold to Portfolio Recovery who is reporting the inaccurate information to all 3 Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) XXXX I have tried to contact XXXX XXXX on several occasions to provide me with a copy of my original contract and to provide me the receipt of payment from my initial secure deposit. XXXX XXXX Representatives have told me that I need to contact Portfolio Recovery regarding the issue and when I have contacted Portfolio Recovery they inform me I need to contact XXXX XXXX Portfolio Recovery is currently reporting my account as open which is inaccurate and there is also an inaccurate balance of {$610.00} being reported as well. When Ive requested for my original contract, I have only been sent a past statement which does not show my contract terms, date contract was signed or the secure deposit amount paid to open the account. If I owe a debt, I would be more than willing to pay that debt but I will not pay a debt amount that is not accurate. The inaccurate information being reported on my credit report has been affecting me negatively, and I have been denied for a bank account, employment, and housing due to the negative information being reported.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : Capital one XXXX XXXXXXXX : Capital One XXXX XXXXXXXX : Capital One XXXX
Consumer complaint received 2020-06-16
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. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-06-16
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: EQUIFAX, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2023-03-06
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: HYUNDAI CAPITAL AMERICA (AZ)

I recently reviewed my credit report and found unauthorized inquiries done ALL the same exact day! 

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

some gave me the run around over the phone because they couldn't find anything so they kept switching me to multiple department and no one could help me figure out why they pulled my credit without my consent, nor could give a proper answer. 

Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it. 

here are the inquiries to immediately remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also mail certified with return receipt the dispute to the credit bureau XXXX who's reporting this wrongfully enclosed a copy
Consumer complaint received 2023-03-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson Cruz & Associates LLC (MI)

Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX XXXXXXXX called about debt in XX/XX/XXXX from Nelson Cruz and Associates about this debt again, told them that I already paid this debt XXXX has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told NCA about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (IL)

I am in the process of selling a foreign owned condo property. A foreign bank wire transferred the amount of {$9500.00} USD from my realtor 's account into my personal savings account with American Express online personal savings bank. The transfer was made on XX/XX/XXXX and I have an electronic copy of the transaction. The money never showed up in my account. I received a voice mail from American Express on Thursday, XX/XX/XXXX to contact them about my account. I called back and was told that they do not accept wire transfers from third party accounts and they gave me a transaction number to confirm the return. The number is XXXX. They refused to provide me with an electronic copy. 

American Express left any email to contact them on XX/XX/XXXX. I received it after business hours, but I called and spoke to a customer care agent. They said they don't know why the banking operations area called me and I needed to call back during regular banking hours. On Tuesday, XX/XX/XXXX I called the banking ops center and was told that they received a wire transfer on my account and they tried to call me to verify account holder, but my phone didn't ring ( XXXX had a nationwide outage when they attempted the call ) so they returned the transfer on XX/XX/XXXX. They gave me a different number, which is : XXXX, a different transaction number. I asked why they told me the sent the money back on XX/XX/XXXX for a different reason -- the customer care agent I spoke to said that they don't accept transfers from 3rd party accounts. Furthermore, if they needed verification, then why didn't they ask for it when I called them back the prior week. And why did the agent give me a different transaction number. If the money was returned on XX/XX/XXXX, then where had it been since XX/XX/XXXX? I haven't been paid interest on this money. 

American Express has no explanation for the discrepancy and different stories of when the transfer was made and is again refusing to provide proof. They said proof is against their policy. They have also refused to set up a call with the bank to help find the missing funds and are now claiming they have no further responsibility. 

As of this morning, the transfer has not shown up in my realtor 's bank account. Given the discrepancies in the American Express reporting and refusal to provide proof of the return of the funds, I don't believe the funds were transferred. Is there a legal recourse? I seems American Express bank is incompetent at best and fraudulent at worst.
Consumer complaint received 2020-04-06
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. (NY)

Division of Child Support Amount {$990.00} XX/XX/XXXX NYS Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.