davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TN)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against AD ASTRA RECOVERY for committing identity theft. I have never given AD ASTRA RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me Or furnishing items to my consumer report about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from AD ASTRA RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AD ASTA RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AD ASTRA RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AD ASTRA RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and AD ASTRA RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-10-18
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. (IL)

I turned 21 and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN ODA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage SER, US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2020-07-08
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. (TX)

XXXX  ; Experian and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (FL)

First, I had an car accident in XX/XX/XXXX, XXXX XXXX XXXX. The car was claimed totaled by my car insurance ( travelers ). I had to sign power of attorney to travelers insurance in which I did. XXXX   XXXX paid their part of the settlement on the XXXX. 

I also had gap insurance XXXX XXXX XXXX. They also paid their part of the settlement. This left a little over XXXX in interested to be paid. I called XXXX credit, the company that hold my car loan, I informed them that all parties have paid their part. I asked, why was my account still showing a balance. I asked about the principal and interest difference. I was told, I still owed the interest even if the balance was paid. I asked about making a smaller payments. I was told in XXXX they were waiting for an extended warranty payment. I could then possibly make smaller payment arrangement afterwards. I called back in XXXX. I was told they just sent out letter in XXXX, requesting for the extended warranty payment. I was told it takes about approximately 6 weeks. My account stills shows no update of a extended warranty payment. 

Meanwhile, the interest is steady going up on the car loan and my credit score has dropped more then 50 points. I am having a hard time resolving this matter and need some help. I assumed interested stopped once principal is paid regardless of how it paid.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (CA)

I have noticed that my credit score is going down drastically this past few weeks and i have only made improvements to my credit file : 1. My score went from XXXX to XXXX because my credit card usage went from 40 % to 56 %, then i brought my credit card usage down from 56 % to 40 % and my score only increased 10 points ( so I lost the additional 37 points! Then i noticed my score dropped again today XX/XX/XXXX down by 5 points FOR NO REASON. i looked to see if anything had changed today but nothing had changed ( i had actually brought down the credit usage ). So basically score went down by 47 points for haveing 16 % extra usahe then when it went back down by 16 % my score only increased by 10 points! and TODAY IT HAS GONE DOWN 5 POINTS WITH NO REASON AS TO WHY AS NOTHING ELSE HAS CHANGED! I logged in today XX/XX/XXXX and says my score decreased again by 5 points and there is no reason provided! 

2. I have had 2 auto loans in the past few years. The auto loan i have last year i made my payments early ( for the entire duration of the auto loan with capital one THIS WAS 1 YEAR ) but i saw no change in my credit score it never increased not by 1 point! so by making my payments on time for an entire year it made no change to my credit score. 

Again i purchased a new vehicle this year and have an auto loan with XXXX now on a different vehicle and still paying on time has nade no difference to my credit score.

3. Experian boost is a fak scam. I added 3 seperate bills ( XXXX, XXXX and XXXX ) these are all utility bills. It showed 2 payments made in the past few months and when it gets to 3 payments made in 6 months i would get a boost to my score! Once all 3 of these bills reached 3 payments made it said my score would increase for each utility bill. I got a notification that they were ready to be added to boost but all 3 bills made ZERO impact tto my score. If that is the case then why do they even have boost??? Its fake and a scam thats dishonest and untrue.. and i would like to report them as for every bill i met 3 payments its made no change to my score.

Despite paying on time for every credit card auto loan i have seen my credit score decressing monthly and there is no explanation why my score keeps taking drastic drops by 40 points in one go or 10 points in 1 go!!! 

I want experian to be investigated as something incorrect or dishonest is going on with my credit file. If i received another notificationtoday saying my score dropped again byy 5 points then they should have an explanation as to why it has dropped 15 points in 1 week as nothing changed ( i actually lowered my credit usage!! and their Experian boost is a complete fake and lie!!
Consumer complaint received 2022-10-18
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. (CA)

Company is in violation of 15 USC 1666b and 15 USC 1681b. they are reporting inaccurate information on my consumer report, one, without any written instructions from i, the consumer, second this inaccuracy is hindering my ability to obtain credit and its also defaming my character,. this is embarrassing and damaging my livelihood. Ive put the company on notice already and i would like them to properly do their job and stop violating consumer rights.
Consumer complaint received 2020-10-15
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)

As per the agreement entered into by XXXX XXXX, the borrower, and the US Dept of Education in conjunction with XXXX XXXX XXXX XXXX University, the borrower was declared XXXX XXXX XXXX   XXXX by the Federal Government and offered complete forgiveness of all federal student loan debt to be paid by XXXX. The borrower, XXXX XXXX, accepted the offer and was able to successfully abide to the rules of the agreement, including a monitoring period of three years in which the borrower would maintain federal acknowledgment of being XXXX. This agreement provided that should the borrower meet the criteria of eligibility, upon completion of a three year monitoring period, all federal student loan debts would be paid by XXXX , XXXX, and The borrower would be released from all debt obligations, and that these debts would be held to reflect no negative payment history, nor any attempts to be placed into collections nor sold to any collection agency. The borrower became XXXX in XXXX of XXXX, and was offered forgiveness due to XXXX  XXXX. The agreement provided by the federally accredited student loan forgiveness repayment organization, XXXX , XXXX, outlined that during the investigation period no debts would a reflect late or negative payment history, nor would interest be charged to any accounts ; and that if at any point the borrower did not meet the criteria necessary for XXXX classification, or was no longer classified as XXXX by the Federal Government, he would be responsible for repaying all debts to include any interest incurred as stated by the original loan agreement. As of XXXX, the borrower continues to maintain classification as being XXXX XXXX XXXX   XXXX and was determined to have met the criteria outlined during the monitoring period. As such, all federal student loan debt has been paid by XXXX, XXXX as agreed and should reflect all accounts as paid and closed, and represent no late or negative payment history. Additionally, as stated in the agreement, no accounts should have been placed in collections nor sold to any collections agencies as all accounts are considered to have been paid in full and on time. The reflection of any accounts held with XXXX XXXX XXXX XXXX University or the Fed Dept of Ed stating negative payment history and/or placement In collections violates the agreement between XXXX, XXXX with XXXX XXXX XXXX XXXX University and the Fed Dept of Ed. As both institutions have received payment as agreed, and all stipulations of the agreement were honored, negative reflections of payment history and/or any accounts placed in collectionsor sold to a collection agency are the be understood as fraudulent representation of account information. Both agencies have been made aware of this and continue to place negatively impacting information on the borrowers credit history indicating both institutions guilty of fraud.
Consumer complaint received 2021-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (FL)

I purchased my home in XX/XX/XXXX. My first payment was due XX/XX/XXXX. The first payment was made to CalCon dba One Trust Home Loans on XX/XX/XXXX. 

XX/XX/XXXX I was notified that my loan was being transferred for servicing to XXXXXXXX XXXX payments were to be sent to XXXX on XX/XX/XXXX. 

XX/XX/XXXX a new transfer letter was sent stating that my loan was being transferred from CalCon ( acct XXXX XXXX to CalCon ( acct XXXX ). So on XX/XX/XXXX I made the XXXX payment to CalCon ( XXXX, as they they stated acct number XXXX would accept payments until XXXX ) On XX/XX/XXXX I received an additional transfer letter stating that the XX/XX/XXXX letter was sent in error and I should not send payments to the new account number ( XXXX XXXX, but should continue to make payments to acct XXXX. 
I then made my XXXX payment to XXXX on XX/XX/XXXX. 

XX/XX/XXXX, I received another transfer letter that the loan was going to XXXX. 

Throughout this process - XXXX was not notified they did not have my account and every time I called CalCon they said the account was theirs and not XXXX 's account. 

The issue is now XXXX actually does have my servicing of this loan but they are in belief they have had it since XXXX and they have now reported me as making a late payment and as of XX/XX/XXXX ( that is the date the payment was reported late ) my credit score has just dropped XXXX points as a result. 

The other issue of concern is that both XXXX and CalCon have been reporting to the credit bureaus the same loan and it looks as if I have over {$400000.00} in mortgages and I only have a {$200000.00} loan.

At first it would have affected my ability to refinance as it looked as though I had 2 mortgages ... now it is seriously hurting me because I am being reported as late and I have made all of my mortgages on time. 

I sent emails to both companies and the only response that I receive from CalCon is an automated " we have transferred you loan to XXXX effective XX/XX/XXXX and if you have any issues, you need to contact XXXX ''. I have received this automated email at least 3 times and no one is addressing their mistake and the financial harm that they have caused.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (FL)

I have submitted disputes to you and I did not get a response within 30 days and you all are required by Law to do so. Please investigate my disputes. Please. Thank you
Consumer complaint received 2021-02-10
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. (CA)

I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were Four accounts that do not belong to me. The account names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my mother since we have the same name. I am and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (IL)

Back in 2019 my mortgage was sold from XXXX XXXX to Specialized Loan Servicing My house was already in foreclosure due to unemployment and my husband not recieving XXXX for well over a year. Mind you XXXX XXXX always worked with me. This was our home that foreclosed on in XX/XX/2019. Sold without my knowledge even though I was sending them documentation proving unemployment and husband not working for over a yr. Trying to hold onto my home of XXXX yrs. So mail was late -- I requested short sale, no answer. Foreclosed improperly -- this is a third party predatory lender. So now we are tyring to get approval for new mortgage however old info on my credit report and my husbands. Showing {$6000.00} due from a mortgage that was in foreclosure so I was trying to send a few payments in but because mortgage was already in foreclosure from the yr prior. Oh after we had help from Illinois XXXX hit fund which picked up late or no payments due to PROOF OF NO INCOME. SLS was useless not good customer service, never answered or helped. In fact I had to send in document XXXX times but by then my home was sold and I received notice of it oh about 3 weeks after the sale date. HORRIBLE. We now are sitting in a small apt in the worst part of town. We are seniors. I have lost so much. Its so bad. Thanks SLS for all of your help. They love to put old ppl out on streets. we were XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I did not apply for credit directly with Citizens One. This company is a third party company financial institut, who finance for XXXX. XXXX provided additional fraudulent charges on a invoice to Citizens One. I contacted citizens one on several occasions to advise XXXX charged me additional charges and my account needs to be updated. I stayed in contact with Citizens one during the process as my payment card was still was on file to make payments, even after I was told the account would be placed on hold. My bank also advised automatic payments was previously approved from Citizens one, and which I never received notice a payment had failed. Citizens One did not have my contact number and failed to notify me of any issues. I had a conference call with citizens One and XXXX explained to the representative with citizens one that XXXX  made a mistake and for the mistake they were going to credit my account for {$250.00} in which Citizens One should correct any inaccurate or misinformation at that time. Citizens One has reported inaccurate information to the credit bureau that my account was 30 days past due, when it should have not been reported as past due, because of the lack of communication between those 2 parties and never notifying me of a failed payment after I was also told the account would be on hold until XXXX contact them. This inaccurate information needs to be removed from my account immediately. 

I have disputed this delinquent account Therefore, until it is validated, your information concerning this account is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.

Finally, this account is not delinquent and I demand that this information be removed from my credit report immediately.
Consumer complaint received 2022-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (TX)

This is my second complaint that I have placed on my mortgage company New American Funding regarding my mortgage. I recently came out of a forbearance and was able to agree to a loan modification. I have been complying with making my payments on time since the loan modification has been in place. My loan payment did increase due to the county taxes on my escro analysis ran earlier this year. However, I have still ensure to login and pay what is due every month. On XX/XX/22, I made my payment like usual, however, a manual analysis was ran manually at the end of XXXX and my payment made XX/XX/22 was not processed correctly by New American Funding. For some reason it shows that I am now behind on XXXX and XXXX 's payment. Every representative I've spoken to has no idea what exactly happened to my money that I paid on XX/XX/22 {$1300.00}, it was taken out of my bank account, but not applied to my mortgage. They said it could've gone to escrow, but how if I did not authorize that to happen? They have told me they would call me back when it is resolved, but as always no one calls me back. I can not make my payment for XXXX online because of this error that New American Funding has created and no one can trace my money and now it shows I am behind on XXXX payment when I have been complying on making my payments on time, but why is it that noone can resolve my issue and NOONE calls me back. Now I'm receiving all kinds of notices in the mail of a hardship, collection notices, behind on my mortgage notices and numerous collection agency phone calls all because of this error and NOONE can help me.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

During COVID there was a lack of communication to address this debt. I never received notification that a potential writ of execution was going to take place which left me no opportunity to try and arrange for payment. With this said even making several calls, leaving messages, offering a reduced amount, staying on permanent holds, and emailing I dont get a response anyway. Its almost as if this firm purposely ignores you to make the situation more complicated.
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Hello, I recently applied for a XXXX loan to buy a house for my family. When the lender ran my credit report, I had an account from Wakefield & Associates pop up for {$3100.00} that I am completely unaware of. I decided to call them and inquire about this debt, XXXX answered my phone call, I asked for any proof that this debt was mine, any signatured documents from me, they stated, " That's not how this works. '' I explained that I will file a complaint with the XXXX and XXXX for reporting erroneous information to my credit report and limiting my credit possibilities. XXXX then stated, " That's not how this works '' again, then proceeded to tell me to " call a hospital and ask for itemized list. '' I don't have any recollection of this debt by any means. I have disputed this multiple times. 

Please help remove this from my credit so I can purchase a home for my family. 

Thank you,