davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report.

Here is the list of items that 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX business days after the date of receipt.
Consumer complaint received 2021-03-04
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. (GA)

AROUND XXXXXX/XX/2021AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCRURATE INFORMATION. 
FRADULENT ACCOUNTS- EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRADULENT HARD INQUIRES : EXPERIAN XXXX XXXXXX/XX/XXXXFRADULENT HARD INQUIRES : XXXX  XXXX XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT ACCOUNT-XXXX  Collections-Unknown- XXXX XXXX FRADULENT HARD INQUIRES : XXXX  : XXXX, XXXX  XXXX  FRADULENT ACCOUNTS : XXXX  XXXXXX/XX/XXXXXXXX, XXXX XXXX  WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 
PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCULDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Consumer complaint received 2018-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation (CA)

National Default Servicing Corporation ( NDSC ) made material intentional misrepresentations as to their relationship as it relates to my home loan mortgage account and foreclosure processes. 
NDSC provided written documents originating from them in which the affixed the XXXX XXXX XXXXXXXX XXXX at the top giving the appearance the correspondence originated from XXXX XXXX XXXXXXXX and not NDSC. Within the correspondence, NDSC stated it had been retained by XXXX XXXX XXXXXXXX to collect on a delinquent mortgage debt prior to XX/XX/XXXX. Neither NDSC nor XXXX XXXX XXXX has provided any written documentation confirming NDSC a Trustee relating to foreclosure processes to date. 
Upon receipt of correspondence from NDSC prior to XX/XX/XXXX claiming any connection to my home loan mortgage debt was unclear and incorrect. I actually believe this correspondence to be a scam of some sort as I was still pending in the modification process at the time of receipt. On XX/XX/XXXX, I was approved on appeal for a MHA HAMP TPP. However, I had not been offered the MHA HAMP TPP acceptance package at the time of the NDSC correspondence. As dual tracking is prohibited under California law, debt collection processes, including foreclosure, can not begin or proceed. 
All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.
Consumer complaint received 2021-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IL)

Before accepting the loan agreement, while on the phone, I was told I would have an APR of 7.94 % for my principal loan amount of {$1100.00}. I did the signing portion electronically. The agent still on the phone with me instructed me to quickly sign the documents before I had time to read through to have her manager confirm my application fully. Once signed, I was told I'd receive my funds at the end of the business day on XX/XX/2021. When I downloaded the copy of my borrower agreement, I read that the APR is 794.959 % instead of 7.94 %. I can not afford that. I am devastated.
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX ( Original Creditor : XXXX ) XXXX ACCT SERVICE ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (VA)

I made a payment in XX/XX/XXXX XXXX the guy said i had 6 more psyments then i made one in XXXX XXXX he said i had 6 payments left then XXXXand i called the lady said they never said that and i still owed XXXX on a XXXX loan and only admitted me paying XXXX i also made one XXXX payment and i no longer has ve the checking account i used the begining payments im moving and they do not hsve that bank were im moving to i feel like im being scammed because the loan amount keeps changing ill never pay them off being on social security.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

I previously submitted a compliant under case # XXXX. Ally did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update Ally made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein XXXX. 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. Ally needs to correct this error in reporting of the details of this account.
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2021-03-04
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. (GA)

XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( XXXX , Equifax and XXXX ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from XXXX, Equifax and XXXX. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( Equifax, XXXX and XXXX ) have yet to remove this erroneous information from my account.
Consumer complaint received 2018-03-29
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 — Investigation took more than 30 days
Company: U.S. BANCORP (CA)

XXXX XXXX has {$14000.00} that is sitting in a lockbox that has not been credit to my account. This money is currently being charged interest and showing up with a high debt ratio on my account. This account is under investigation and is with the office of the president. The company has already agreed that they will credit that they will credit my account all finance charges and therefore I have requested that they please put this charge into a contested amount and should be credited temporarily until the company fixes their internal problems. This problem has been ongoing for over several months and therefore am requesting assistance to get this corrected as my credit score is just one more problem that is hurting me while this long process is not corrected.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP (OH)

I received a written offer from Key Bank Reservation code XXXX  Marketing code XXXX  on or about XX/XX/18. I promptly applied for the credit card and received it. Then I applied for a Key Bank Active Saver Savings account which seemed to be required to receive the Key Bank {$200.00} credit card bonus. Key Bank turned down my application for a savings account because of one late payment to XXXX XXXX per XXXX. Of course XXXX  disturbingly refuses to tell anything about their rating without all my personal data.XXXX  said XXXX XXXX reported one late payment on my XXXX account. I then contacted XXXX they agreed my account was never past due over one month based on the XXXX payment due date schedule. Further investigation verified XXXX considered an account past due based on the date ( which varies ) they read the electric meter which is 5 to 10 before the payment due date. I dont think Key Bank meant to offer me a {$200.00} Credit Card reward and then deney it because XXXX doesnt follow normal credit reporting rules of considering and reporting a payment late only once it is over one month late. All though my attempts, so far, to get Key Bank by phone and on line text thru my Key Bank new Credit Card account to reconsider their savings account application turn down decision and pay me the {$200.00} Credit Card bonus have fallen on def ears.
Consumer complaint received 2016-09-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (CT)

My account with Paypal Credit is past due and received a message from them regarding a payment arrangement offer and to call them by XXXX to accept it. I called earlier this evening on XXXX, the rep put me on hold to speak with a senior rep regarding numerous notes on the account, I was then advised she can not speak with me about anything pertaining to the account as there is a cease and desist notice which I did not place and am not aware of. I previously advised her of the message regarding payment arrangement and if she can not speak with me then any such arrangement is pointless, null and void. Paypal Credit claims to have offered me payment arrangements/plans prior, however, I did not receive them and am not aware of them. I did call in prior to accept such plan ( s ), was told they are all expired. I also advised rep ( s ) earlier today and on prior calls that the orders from an XXXX are fraud, these are jewelry orders which I did not place myself and did not receive. I requested a settlement amount with the rep from earlier this evening but again, she can not speak with me about the account. This is very odd as the message I received prior regarding payment arrangement did not mention anything about a cease and desist, this is totally bogus in my opinion. I called back again and message said they are closed at XXXX XXXX, I believe the rep I spoke with prior made the story up about cease and desist up so as to get me off the phone so she can go home as they are closed.. Please advise Paypal Credit I am at my wits end with them and I will offer them a settlement amount of XXXX, the balance as of now is around XXXX. I believe XXXX is fair considering the orders to XXXX are fraud and run into the thousands. If they will adjust balance to XXXX I will make XXXX last call to discuss payment arrangements. If they do not accept then that is their loss, a prior collection agency referred the account back to them due to fraud charges and my unsuccessful attempts at making payment arrangements directly. Having said this, you would think Paypal Credit would be more cooperative in this matter. In closing, please advise them of my offer of XXXX settlement and payment arrangement
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I took a cash advance out for XXXX with fees, the credit card company charged an additional XXXX for cash advance. I made a payment onXX/XX/XXXX for XXXX ( minimum payment due was XXXX ), I then made a payment for XXXX on XX/XX/XXXX, they did not apply the over and above payments correctly, they are still showing a cash advance balance of XXXX ( I have other charges on the card for goods and services totaling XXXX ) and the extra payment I made should have been applied to the higher interest cash advance balance per the CARD Act. The companies response was " cash advance does not fall under the regulations of the CARD Act ".
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (MO)

I receive my SSDI benefits on a ComericA Bank card. For three days I have been trying unsuccessfully log into my account but can not and the password recovery option is unavailable. I am trying to close account to stop fraudulent charges but when I call customer service at XXXX to cancel and get a new card the automated message says because of call volume they can not take my call. I now have NO way to contact this company!
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (TX)

CITI MORTGAGE HAS SEND ME A LETTER STATED THAT THE MORTGAGE HAS BEEN REPORTED ACCURATELY. IT SEEMD AS OD XXXX2017 > NO MORTGAGE HAS BEEN REPORTED AT ALL. SO IT SEEMS WE ARE FACING THE SAME ISSUE WE HAVE SINCE DAY 1. 2+ YEARS OF NO MORTGAGE HISTORY.
CITI > ACCT XXXX > ADDRESS > XXXX XXXX XXXX XXXX > XXXX > TX > XXXX
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CO)

I happened to look at my Experian app and see 6 accounts that I had never seen or heard of, so I called and just found out the person/persons opened up accounts in my married name which was XXXX XXXX but XXXX have been divorced since XXXX and i had changed my name back to XXXX XXXX XXXX XXXX of XXXX when i filed for divorce so these are in the past few years and I then disputed the fraud with Experian and they also had 4 fraud addresses in Texas linked to these accounts and I live in Colorado and have never set foot in Texas, so all of these accounts were opened up in my old married name and none of these are my accounts and need to report fraud on them, I have opened up a fraud case on the addresses and the accounts listed with Experian. 

XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$1100.00}