davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (VA)

XXXX ( XXXX  ) XXXX Spring Oaks Capital Purchased The Debt Balance XXXX Credit Limit XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Remarks Charged off as bad debt Dispute Resolved Customer Disagrees They have sold the debt to ( Springs Oaks Capital ) I have contacted the company and disputed with them haven't recieved a response ( A ) I Have deputed with the credit all 3 credit bureaus, also XXXX XXXX XXXX and I haven't received the proof of how the account was verified ( B ) I have no acknowledgement of the account it's becoming more difficult with the misleading information. I have the right to a accurate credit report and it is illegal to have misleading information on a report without providing the proof they are violating the rights of the fair credit reporting Act. 


the Credit limit on the card for XXXX  is ( XXXX ) the Credit limit on the card showing on the report for XXXX  is ( XXXX ) The credit limit on on the credit card showing on the XXXX  report is ( XXXX ) This Is inaccurate information based on this it needs to be deleted off the credit report The High Balance On The Credit Card Is Inaccurate. The High Balance On The Card For XXXX  Credit report is ( XXXX ) the high balance on the XXXX credit report is ( XXXX ) the high balance on the XXXX  Credit report is ( XXXX ) this is inaccurate information based on this it needs to be deleted from my credit report last reporting dates are also inaccurate XXXX  States ( XX/XX/XXXX ) XXXX states ( XX/XX/XXXX ) XXXX  states ( XX/XX/XXXX ) this is inaccurate information reporting it needs to be deleted from my credit report because if the account is closed how can they report anything this is in violation of the FCRA Dates of last activity states for XXXX ( XX/XX/XXXX ) for XXXX  ( XX/XX/XXXX ) for XXXX  ( XX/XX/XXXX ) this is inaccurate information the account needs to be deleted from my credit report Date Of last Payment XXXX  Shows ( XX/XX/XXXX ) XXXX  Shows ( XX/XX/XXXX ) XXXX  Shows ( XX/XX/XXXX ) The Dates are inaccurate and does not match it needs to be deleted off my credit report and XXXX  is showing payments was made to the account XX/XX/XXXX ) - ( XX/XX/XXXX ) and no payments was ever made this is false and inaccurate information please remove this negative account from my credit report it is causing me great harm and stress they are breaking so many laws and also re  aging the account which is a violation
Consumer complaint received 2020-05-01
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)

I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. Thank you.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a small business owner. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX XXXX of Pennsylvania. My business is closed since XXXX of XXXX. I applied for XXXX loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get XXXX loan which is given to small businesses because of these credit scorXXXX agencies. XXXX lenders dont give loans to small businesses if you have a score under 640. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, TransUnion, XXXX  and XXXX. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.
Consumer complaint received 2020-05-01
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. (IL)

XX/XX/2020 someone tried to steal my identity by opening up a credit card with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX  XXXX ran a hard inquiry XXXX and XXXXXXXX XXXX XXXX  has since been removed from my credit report. Transunion and XXXX  are refusing to remove the XXXX XXXX hard inquiry. I have a letter from XXXX XXXX stating that Transunion and XXXX are to remove that hard inquiry because it consisted of fraud. Thank you. 
XXXX XXXX.
Consumer complaint received 2020-05-01
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. (IL)

XX/XX/2020 someone tried to steal my identity by opening up a credit card with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX 's XXXX  ran a hard inquiry XXXX and XXXX 's XXXX  has since been removed from my credit report. XXXX  and Equifax are refusing to remove the XXXX XXXX hard inquiry. I have a letter from XXXX XXXX stating that Transunion and Equifax are to remove that hard inquiry because it consisted of fraud. Thank you. 
XXXX XXXX.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX of XXXX I signed an invoice agreeing to pay a company that I thought was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the amount of {$2700.00} using my Synchrony Credit Card. 

Since that time I have found that this merchant engaged in several deceitful business practices to include misrepresenting what their company name is on the invoice. Their company name is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are not authorized to operate in the state of Maryland under that name. And they are not authorized to bill me under that name. The legal name of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I did not agree to have XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Transmissions do any work for me. I did not sign an invoice agreeing to pay XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX any amount of money. The charge on the Synchrony Card is false. 

I filed a dispute with Synchrony CarXXXX on XX/XX/XXXX. I also submitted a document from a XXXX XXXX Investigator stating that XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was misrepresenting their name on the invoice. 

On XX/XX/XXXX I got an email saying that my Synchrony Bill was now due. When I called I was informed that the investigation was over and that the bank found in the merchants favor. 

On XX/XX/XXXX I sent a certified letter to Synchrony Bank requesting a formal letter of the bank 's decision. I also requested that copies of all the documents used to reach this decision be sent to me. 

As of the date of this letter I have yet to receive a formal letter stating the bank 's decision or any of the documents used to reach that decision. I have legal rights to these documents and I want them. 

I will be attaching a copy of the letter from the XXXX XXXX Investigator showing that the company misrepresented it's name on the invoice. i will also be attaching a copy of the invoice that the company misrepresented it's name on.
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I loaded {$200.00} into Coinbase with a Bitcoin Purchase. Within 10 seconds after the Bitcoin was purchased, the money was sent to an unknown address. They took the exact amount loaded, got around the 2 part authorization. Coinbase does not have a live person to speak with and has been evasive on the matter. Given how quickly it occurred and that it got around all of Coinbases security, including that I changed my password minutes before I made the purchase, leaves me to believe Coinbase is in on it. I can replicate the problem as this is the second time it has occurred, first time for {$250.00} and also happened immediately. Coinbase never got back to me the first time either, back in XXXX. If you can hook up to my computer, I can make it do it again and you can track all data being sent back and forth to help catch whoever is doing this.
Consumer complaint received 2018-06-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED COMMUNITY BANK (MO)

10 years ago we purchased a lot on XXXX XXXX in XXXX GA for {$250000.00}. We have made regular payments ( always paying a little more then due ) during this time. My husband and I went through a divorce and for a year I continued to make the payments on this loan as he said he doesn't care and would take bankruptcy. We also have a business together that just went under. I have put all the money I have into the business to try to stay above water. When I realized that I could no longer make the payment on the lot loan in XXXX, I contacted XXXX XXXX with United Community Bank of XXXX GA and asked the bank to take the Deed in Lieu of Foreclosure. XXXX said she would check on it. I contacted XXXX again in XXXX and XXXX. I was also contacted by a lady in collections from United Community Bank and I reiterated that we wanted to provide the Deed in lieu of Foreclosure. She said she would check into it. On XX/XX/XXXX, I spoke to XXXX again and asked about the Deed in lieu of Foreclosure and XXXX said we would have to go through the foreclosure steps anyway. I have attempted to work with the bank and am very disappointed this was allowed to happen which was not my intent as I have been trying to work with the bank and follow the proper steps. Now I have a letter from their attorney that they are proceeding with foreclosure. 

We have paid at least {$370000.00} on this {$250000.00} loan. Additionally, the bank should be able to sell the lot for at least {$120000.00}. If that is the case, the bank will have doubled their money in 10 years. Wow {$500000.00} and they won't take the deed. It is very disappointing and seems egregious that they are not willing to take the deed.
Consumer complaint received 2020-05-01
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)

Ive been a victim of identity theft for the last 5-6 years and its been a ever lasting nightmare ... Ive lost my drivers license, identification card along with my home being broken into. My passwords have been compromised. I just need this end. This XXXX XXXX account I have no recollection of and needs to be removed. Ive submitted a full police report, FTC report as well as contacted XXXX XXXX and they can not tell me who actually started this agreement. I have yet to obtain any documentation of importance. 

XXXX XXXX XXXX XXXX Account numbers, opened XX/XX/2016 XXXX XXXX
Consumer complaint received 2024-02-21
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-01
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: Fidelity National Information Services, Inc. (FNIS) (KS)

all entries derogatory on my Chexsystems are the result of identity theft. I have tried to dispute the items with Chexsystems, and am given no opportunity to submit documentation to substantiate my case, other than ID Theft Affidavit. Chexsystems provides no justification for the accounts belonging to me. The derogatory information showing took place in the period of which I had not yet attainted the age of majority. d
Consumer complaint received 2022-09-12
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. (CA)

I received a second report from TransUnion. It is the same as the first one. Lacking current information. I never requested the report. The problem is the same. They are not providing up to date information and have made no effort to do so. 

Also, they closed the previous complaint and never solved the problem. 

I am filing another complaint. I am not going to let them get away this this lack of service.
Consumer complaint received 2024-02-21
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. (LA)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I currently have a section 8 tenant which the government deposit the rent into a cashpay account. While trying to long into the account it requested the email attached to this account and it provide a email that I did not authorize. I tried on several occasion to address it to the Bank of America customer service to why this email was attached to my account and they can supply an answer and I was given many people to speak to with no answer. The question was why did my own private account have an unauthorized email to answer my personal information.,
Consumer complaint received 2020-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One credit card paid as agree since XX/XX/XXXX it is on XXXX as charge off this account was deleted from other credit bureaus companies XXXX and XXXX. It has been almost 2, years fighting to get this now with this pandemic I have to suppor my family I am a small business owner i have an exceptional payment history on my credit and due to this issue I haven't got a small business loan by my XXXX XXXX because this charge off shows on my credit report by XXXX this is the credit bureau this bank use. Please this capital one credit card was open XX/XX/XXXX it has been 9 years already I am struggling with this issue. I paid this credit card and close the account. I demand this account to be deleted from XXXX credit reporting agency I demand capital one to authorized this.
Consumer complaint received 2018-06-25
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. (VA)

In XXXX I was a victim of fraud and the XXXX XXXX Breach and I have been disputing items on my XXXX and Experian credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with XXXX they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with XXXX and Experian. As of today XX/XX/XXXX my credit score with Experian is a XXXX and XXXX is a XXXX. My credit score is up and down as it pertains to XXXX and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. XXXX is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with XXXX they drop my score instead of completing the updates in which they were instructed to do.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (FL)

A letter was sent to an address that is NOT mine, I am only just hearing that I owe this debt and consider it completely invalid since they couldnt even bother to find my address. This debt is not possible for me to have considering that the account they were talking about is CLOSED.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, on XXXX I called up 2 credit card companies which I am an authorized user on my cousins cards. For some reason they are not showing up on my credit report. I called up both companies and on there end, they stated I was reported and they had no problems. The 2 cards are melaleuca by XXXX XXXX ending in XXXX and the other is XXXX XXXX  ending in XXXX. I was told that I have to notify each credit service and they will fix this misunderstanding and update me on credit report. As I have been paying with no problems since added by my cousin.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I believe the ppl that stole my funds from wasihington can u plz help report this to a officer not from any of the states that have XXXX workin at the law office because they are part of fraud thank u
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANNER CORPORATION (WA)

On the morning of XX/XX/XXXX, I had a balance of {$.00}. I have a budget and a certificate in bookkeeping and know how much money is in my checking account at all times. I deposited my stimulus check at approximately XXXX XXXX and had a balance IN THE BLACK of XXXX. Well, now, my prestigious bank is saying that I had been overdrawn following the last statement on XX/XX/XXXX. This bank is constantly fudging the dates of my purchases and sometimes money just disappears. I may have XXXX  issues, but I'm not stupid. They are exploiting the poor, XXXX, and most vulnerable in society. It's Banner Bank based in XXXX XXXX, Washington. 

My Social Security Number is XXXX.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (FL)

In complaint XXXX dated XX/XX/2017 this company responded to a complaint I filed with your bureau and advised that they would be removing the account from my credit as promised in the next credit cycle. To date that has still not happened. I have both contacted the company directly, and disputed online at least 5 times and each time the company replies that it is reporting correctly. This is still negatively affecting my credit, and stopping me from obtaining new credit/credit increases. It has negatively affected my interest rates. I don't know what other recourse I have. This is my third time reaching out to this bureau for this account to be removed as the company told me they would do, and then you as well.
Consumer complaint received 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I called today because i received phone call from Loancare and i call back, they informed me my loan payment is up today but i have Loan Modification which it incomplete, then the agent i spoke transfer me to another one who handle Loan modification, i spoke to her and she asking me to wait for her to overview the account, then she hand me up, and never call me back. Very unprofessional.