davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AL)

Radius Global have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Radius Global. Radius Global does not have a certificate of Authority to do business in Alabama. Radius Global have not sent me a dunning letter but they have put a fraudulent account on my credit report.Radius Global do not have the authority to collect any money from me.Radius Global is guilty of racketeering, forgery, and obstruction of justice.Radius Global is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Radius Global, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Radius Global. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company XXXX of fdcpa.Acccording to the FDCPA XXXX I am owed money for all violations
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a dispute letter to ( XXXX ) XXXX XXXX   XXXX, or XXXX XXXX XXXX on XX/XX/2020 via USPS signature confirmation, tracking number ( XXXX ), for validation of their reported debt. Thirty-five days have elapsed and I have received no response from the company and they have yet to remove the collection account from my credit report.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust Bank sends payments to other address except where instructed on the site. 
Results have been late penalties and CASH IS MISSING from my account as erroneous check was cashed with no explanation. 
Suntrust is the most incompetent bank in the state. Very friendly at opening accounts and touting their excellent service. Don't believe it for a minute, you have to take a day off of work to deal with their 800 numbers and bad branch support.
Consumer complaint received 2020-06-02
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX  XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX
Consumer complaint received 2020-10-30
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: Experian Information Solutions Inc. (NC)

I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} ( previously late open ) XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} ( previously late open ) Collection : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NJ)

My son has been working with Loan Depot on his FHA loan. Today he was supposed to go to closing on XX/XX/20 at XXXX. On XX/XX/20, he received is closing disclosure, and was asked by his loan officer for some documents he needed to submit by XX/XX/20. On XX/XX/20, I received a call from the loan XXXX, XXXX XXXX, who stated the closing cost was double the amount on the Closing disclosure he received. I immediately called the loan officer to express my confusion. She informed me she would look into it and call me back. Later that evening, she stated they had to redo the structure of his loan because XXXX doubled all of the numbers on his loan. On XX/XX/20, I was asked to send over a copy of my banking information, my retirement account information because I am the gift giver for my son 's closing cost. Today at XXXX in the morning, I was asked to send over another statement because Loan Depot could not find where I made a deposit for his Earnest Deposit I gave him. at XXXX on XX/XX/20, one hour before his closing time and date, we are still waiting on the closing documents and was informed he may not close today because the underwriter hasn't sent over the documents. 


I called the XXXX XXXX, XXXX XXXX several times today and he has not returned my call. 

This is ridiculous.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

According to California Statute of Limitation the item has past the 4 year statute of limitation. The alleged debt should no longer be falsely showing on my credit report. According to section 609 of FCRA, the item is false and erroneous. Please remove item.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lockhart, Morris & Montgomery Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2020-10-30
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: ProCollect, Inc. (TX)

Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX  and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2017-12-11
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. (AZ)

Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me XXXX name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me XXXX which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ XXXX {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the XXXX dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.
Consumer complaint received 2020-10-30
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: ALLY FINANCIAL INC. (TX)

Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX  and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a auto loan thru XXXX XXXX dba XXXX XXXX. I have called several times regarding reporting to transunion credit company. I have been told not sure when will update. They are short staffed and every reason. I have filed thru Transunion investigation and they did some updates. At start of XX/XX/XXXX started a new one. Last monthly report showing is XX/XX/XXXX. Shows i have a balance on my credit report of {$6200.00}. I have asked them several times to please update. Nothing. I called yesterday and they said my balance is {$4800.00} roughly. I have struggled with credit. I pay a 21 percent intrest on loan i am ahead on my loan by a few hundred dollars. The diffrence in loan amount also ontime payment as well as balance would help my history and credit score. I also in XX/XX/XXXX had an issue due to covid and they marked me 30 days late. I called to see if they would fix that due to pandemic they wont. I paid extra and got ahead right away so i would be current. I am trying to get them to report payments monthly update balancw monthly. Also reaching out to see if the XXXX XXXX 30 day late will be removed due to covid pandemic. I think its insane that now in XX/XX/XXXX nothing thru my credit on auto loan  has changed on credit. Last time change XX/XX/XXXX. This is unacceptable. Again it is XXXX XXXX dba the XXXX in XXXX Massachusetts. I pay thru the XXXX MA location and updated thru them to there main office in XXXX Massachusetts
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TX)

My identity was stolen and used to enter unauthorized consumer credit transactions with Nordstrom TD Bank. Attached below is my FTC report. 

Notice, affiant is aware Nordstrom is dissolved in the state of Texas.Therefore Nordstrom does not have the right to collect in Texas.
Consumer complaint received 2017-12-11
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. (AZ)

Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me ) name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me ) which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ XXXX {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the XXXX dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credence Resource Management, LLC (FL)

XXXX is the original creditor for this reassigned debt that Credence Resource manage is attempting to collect. Also these two businesses have committed identity theft because they are using my information without my consent, or me even knowing. Also they never got my consent to contact me, and they call my phone almost everyday. My rights are being violated by these 2 companies.
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (TX)

I am a victim of aggrevated identity theft. I have not checked my credit report in years and was astonished to find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never ever authorized or entered a consumer credit transaction with neither XXXX XXXX nor XXXX  XXXX XXXX XXXX . 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I wrote all 3 bureaus and asked them to look into some accounts on my report that are inaccurate. I sent these letters certified mail and I have record that they were received. Since then, I have sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have yet to see any information regarding the accounts that I am challenging, nor has any of the misreported information been updated. It is a clear violation of the FCRA to continue to report incorrect information after they are made aware of the mistake, isn't it? I feel that my rights are being violated and it is having a negative impact in my life, for obvious reasons. I have tried to maintain patience however, this has gone on for far too long and I want these issues addressed immediately. Thank you.
Consumer complaint received 2024-02-24
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. (HI)

XXXX XXXX is reporting false debt onto my credit report. The debt has never been mine and was opened using identity theft. The original creditor ( XXXX XXXX XXXXXXXX ) has XXXX records of this supposed debt. My credit report was frozen and never accessed by XXXX XXXX XXXX. So if they extended credit they did no checking to verify identity. This must be removed ASAP as the information provided does not match any of my information ( address/phone/email ) at any point. I have filed my identity theft report.
Consumer complaint received 2020-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (CA)

A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company XXXX XXXX XXXX XXXX mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with Unifund CCR Partbers A XXXX XXXX XXXX prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (VA)

I should have never been approved for financing I was denied over 10 times from other lenders, I had a credit score in the the high XXXX 's or low XXXX 's and I had a ongoing garnishment on my credit reports and collections..I feel i was taking advantage of by Santander and XXXX XXXX XXXX because of my high {$13000.00} downpayment i was never even asked to show proof of employment or income ..I 'm requesting a Loan Forgiveness and Car Title because i can no longer afford this {$920.00} a month payment and high interest rate for a vehicle i should have never been approved for.I demand to know my internal score at the time of my loan i should be included in the settlement compensation.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

XX/XX/XXXX balance claimed is {$840.00} contacted cox because name of creditor is XXXX XXXX XXXX collected my AFNI XXXX I have no balance due with them and left in good standing with them back in XXXX not even XXXX. Have disputed many times and gets cleared from account then new amount and new date appears again. When I look up AFNI I see many many people have the same claim this is a scam and fraud and I need it removed. This is not right. Ive never had a debt collection and have paid everything on time.