davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

my home is being foreclose on with fraudulent assignments. All of companies listed in the chain of title are all robo signed. AURORA WAS SOLD IN XXXX the last assignment was transferred by XXXX  is clearly fraudulent. the XXXX XXXX sold and traded millions of fraudulent loans and my loan was one the millions The accounts numbers were changed alternation of the contract is voiding the contract signed in XXXX. This loan was apart of the global wide settlement act with the USA department of justice. I mailed 2 QWR and a debt validation letter neither have been answered
Consumer complaint received 2019-07-12
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)

In XX/XX/2018 I discovered a XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX  and told them this account was not mine and that they should close it asap. 

The account has a XXXX balance and they refuse to remove this account from my credit report.
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (FL)

XX/XX/2022 {$110.00} I answered a phone call from American Coradius International LLC. They asked how was I going to pay a debt on a XXXX account. I told them I wasn't paying anything because it can't be my debt because I never had a XXXX account. I also received a letter from American Coradius International LLC and returned it and checked not my debt. Also, in the returned letter I told them I have never had a XXXX account.
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

XX/XX/2022 {$110.00} I answered a phone call from XXXX XXXX XXXX XXXX. They asked how was I going to pay a debt on a PayPal account. I told them I wasn't paying anything because it can't be my debt because I never had a PayPal account. I also received a letter from XXXX XXXX XXXX XXXX and returned it and checked not my debt. Also, in the returned letter I told them I have never had a PayPal account.
Consumer complaint received 2022-02-24
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-30
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. (CA)

Equifax stated that they verified a Bankruptcy with XXXX XXXX. I have contacted XXXX XXXX and there is not any information on my XXXX XXXX Report Regarding a Bankruptcy. Then Equifax stated that they verified the information with the Court House. I contacted the court house and they advised me that they do not report any information to the court house. Therefore since this information is not verifiable. It needs to be deleted from My credit report and all associated accounts.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XX/XX/2019, in XXXX, NC, my credit card was stolen. A {$150.00} charge was fraudulently made with the card. Bank of America refuses to refund the {$150.00} amount, claiming that the card was in my possession because " The chip was read, your [ my ] PIN was entered, and/or you [ I ] signed for the merchandise. '' On XXXX XX/XX/2019, my credit card was stolen, taken from my hand, by a young woman at a XXXX gas station ( on XXXX XXXX, XXXX, NC ). I immediately drove to the nearest Bank Of America Banking Branch ( XXXX XXXX, here in XXXX, NC ), followed all instructions given by the branch officer, and filed a fraudulent use complaint while at the bank. 

My credit card was stolen ; therefore, any fraudulent use would include reading of the chip. 

I have never used a PIN in association with this credit card. I have no knowledge of a PIN associated with this credit card. 

I did not sign for any {$150.00} purchase associated with this or any other credit card. Nor have i ever purchased any items from this retailer ( reported on my online statement of account transactions as XXXX, on XXXX XXXX XXXX. 

Once i returned home, my son viewed by account transactions, online. There was a charge for {$150.00} made at an area XXXX, and a denied charge at a gas station. Bank of America refuses to correct this {$150.00} charge. We ( my son and ) went to the XXXX and was given a receipt record of the purchase. The young lady foolishly used her rewards account with the purchase. We forwarded this receipt, which contains the young lady 's name, to Bank of America. Bank of America has yet to address or even mention this receipt. 

Your help in resolving this injustice will be greatly appreciated.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WV)

I signed up years ago for Experian 's free sporadic emails on credit. I received a thank you for checking my report in XX/XX/22, see a loan I do not recognize, and a a credit card was requested in my name. Experian 's voice system does not allow for a caller to reach a human being, asks for information up front twice ( odd AND I fear XXXX ), and does not allow me to report fraud ( only get a credit report which will go somewhere else, freeze credit which does not fix past damage, and hear explanations ). 

Your role under the FCRA is to keep these data havesters in line. Please assist
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  XXXX, has violated my rights. 

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. 

They also Reporting the wrong dates on the file they last payment was XX/XX/XXXX they change the date to the charge off date XX/XX/XXXX now this date is showing which is wrong here is the screen shot of it.
Consumer complaint received 2022-02-24
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 (NC)

On XX/XX/2021 a fraudulent charge for XXXX {$200.00} gift cards was put on my credit card. Previously in XX/XX/2021 the same thing happen and it was cleared up in XX/XX/2021 in my favor. I did not make this last purchase. I had XXXX check on it and they said it was cleared up in my favor. I heard nothing from Synchrony bank for XXXX months. Then i get a bill for {$580.00} for these gifts cards. They also ruined my credit which stayed around XXXX to XXXX have filed with XXXX and the bank again and not heard from them yet.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TN)

Upon review of my credit report, I noticed a collection for Spring Oaks Capital , LLC. It stated the original creditor is XXXX XXXX XXXX XXXX. Being unfamiliar wit this debt, I contacted the collection agency. I also filed a dispute with XXXX XXXX. I hadn't heard anything back, so I contacted both XXXX XXXX and the collection agency. XXXX XXXX representative couldn't offer any information. I called Spring Oaks Capital, and requested a copy of the documents pertaining to the debt. The representative claimed they were sent when I filed the dispute. I never received anything. I requested hey be sent a second time, and I was told by the representative that they " already sent them ''. After continued conversation, she agreed to request they be resent, and I again never received anything. I called back a 3rd time with the request that they send documents with tracking info so I could ensure delivery information. They refused. To date, I still have no documentation or knowledge of this debt, and Spring Oaks Capital has not cooperated in sending them. I am unsure if I am a victim of identity theft or if this is just a scam, but I do know I am entitled to review these alleged documents.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Recently I've viewed my credit report & noticed inaccurate information reporting. I reached out to all XXXX credit bureaus, XXXX, XXXX XXXX Experian to correct the inaccurate information reporting nothing was done & I did this twice & no updates of any kind. Today I decided to escalate it with making XXXX complaint XXXX with the FTC & a other one with the CFPB. This matter can't continue. NEED HELP SOLVING THIS ISSUE.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (LA)

I noticed over {$20000.00} worth of fraudulent charges on my credit card with Citi Bank. I immediately contacted Citi to report the fraud. The charges were made on XX/XX/XXXX and I reported on XX/XX/XXXX. I closed my card and they issued a new card. 
The charges were made to XXXX XXXX and XXXX XXXX XXXX XXXX. I did not receive any fraud alerts from Citi nor any calls to approve these transactions. 
Citi refuses to provide provisional credit. They state they do not have to provide provisional credit for fraud disputes. My card is at it's limit and I can not use my card. 
It is my understanding that Reg E requires them to issue provisional credit with in 10 business days of notification. Their response is that they do not provide credit until after the 60 day review period. 
I am being denied access to my credit card usage because I am over my card limit because of these charges. My credit score will also be adversely impacted because of the high amount of unsecured debt.

I have called Citi several times a week and have answered all of their questions including on XX/XX/XXXX and XXXX.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX reported a collection to Transunion on XX/XX/XXXX for an account opened on XX/XX/XXXX that has a balance of XXXX. I have not opened any accounts with the company they are trying to collect for. Transunion has tried to contact the company to get proof of the debt but nobody has responded. I did a XXXX search of XXXX XXXX XXXX XXXX and it seems other people are having the same problem with them, every time it involves them reporting a debt to Transunion in hopes that someone will send them some money,
Consumer complaint received 2022-08-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roadrunner Account Services, LLC (IL)

I have a retail installment contract in place with Roadrunner Financial. This contract is in violation of 15 USC 1602 ( h ) ( i ) ( l ), 15 USC 1693 ( l ), 15 USC 1662 ( b ) & 15 USC 1635 ( a ).

2. Due to the retail installment contract that Roadrunner Financial and I have in place being a credit sale. This puts Roadrunner Financial in violation of 15 USC 1602 ( h ) since they are not the original seller of the vehicle. Pursuant to 15 USC 1602 ( l ), this would imply that the debt for our XXXX XXXX XXXX XXXX XXXX is paid for, and the original seller XXXX XXXX XXXX , from which I purchased the vehicle, employed Roadrunner Financial to make it my duty as a consumer to pay independent of their duty to fulfill their obligations within our contract. As a result, this puts Roadrunner Financial in violation of 15 USC 1602 ( i ). 

3. Roadrunner Financial is also in violation of 15 USC 1662 ( b ) by advertising that a specified down payment is required. On page one of the installment contract under the section titled sales agreement, subsection Down Payment states ; You also agree to pay or apply to the cash price, on or before the date of this contract, any cash, rebate, and net trade-in value described in the itemization of the amount financed. On page 2, under Itemization of Amount Financed on line g titled cash payment, the amount shows {$XXXX}. 

4. Pursuant to 15 USC 1635 ( a ), The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Board, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Board, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Per the contract between Roadrunner Financial and us, there is no clear and concise verbiage for the consumers right to rescind. 

5. As a result of the violation of these Federal Regulation Codes, without further ado, Roadrunner Financial is ordered to return all expenses paid, including all fees, back to us via check or direct deposit and sign the title of the XXXX  XXXX XXXX XXXX over to me, XXXX XXXX XXXX 

6. As to the Arbitration and Provisions section in the Roadrunner Financial and our assigned contract, 15 USC 1693 ( l ) was violated. Furthermore, if Roadrunner Financial does not comply with this order, I will be forced to take legal action against them by filing motions with the appropriate federal and state regulatory bodies for violation of the Truth in Lending Act 15 USC 1602 ( h ) ( i ) ( l ), 15 USC 1693 ( l ) & 15 USC 1662 ( b ).
Consumer complaint received 2022-08-30
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. (MD)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-08-30
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. (MD)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2017-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MA)

I filed for a loan Modification several times with Flagstar bank. It seems as every time i 've filed they would string me along, requesting Information that does not exist, and after pleading with them time and time again about the non existing Information, they would Deny my Application.
I do n't have Money to Hire a Lawyer to help me. I recently had to File Bankruptcy to stop the Bank from selling my Home. 


Please Help!!!!!!!!!
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2022 {$200.00} was transferred from my Capital One Bank account to XXXX XXXX. I did not initiate this transfer. On that same day I checked my XXXX XXXX and the funds were never deposited so I did a fraud investigation. Capital One Bank provided a provisional credit of {$200.00} and took it back after my claim was denied. I provided documentation showing the funds never came to me and disputed it again with the same results.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I never applied for a apartment a day in my life but they want money from me that I dont owe them Everytime i call somebody answers the phone in a rude tone and isnt trying to help at all. This place is a fraud