davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I have already filed a previous complaint ( XXXX ) about Loan Depot 's deceptive and fraudulent loan practices. Please refer to the previous complaint for details that started these issues with this company. The reason I am filing a new complaint is after being forced to pay $ XXXX to pay down the loan to correct the issue regarding additional flood insurance, I have asked for a recast ( loan modification ) to reduce the monthly payment. If Loan Depot had disclosed the issue about additional flood insurance prior to funding the loan, we would have had a lower loan amount which would have translated into lower monthly payments from the onset of the loan. Instead, Loan Depot waited 2 months after the loan was funded to inform us about the additional flood insurance. To avoid paying additional flood insurance, we were forced to pay down the loan by $ XXXX. Upon requesting a loan modification, we have been told there is a {$250.00} processing fee that will not be waived. This request is preposterous. If Loan Depot hadn't engaged in deceptive and fraudulent practices from the beginning we would have had a lower monthly payment because we wouldn't have signed off on the original loan amount.
Consumer complaint received 2021-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (OH)

Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. 
No info was given just that a debt was owed for XXXX for a debt I NEVER had. 

The company presents themselves as Asset Recovery Associates in XXXX XXXX, Illinois. 

The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX law. 

Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.
Consumer complaint received 2022-02-10
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. (TX)

Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the XXXX of XXXX in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the XXXX credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (CA)

RE : axos bank ( former XXXX XXXX XXXX ' bank ) Complaint : Our family has two checking accounts with this bank. We have attempted to close both accounts via secure message and chat. axos bank notifies us by letter that our accounts are 'dormant ' and must be 'activated '. We have followed their instructions closely to 'activate ' our accounts, but axos bank provides no feasible method of 'activation ' ( eg. we try to login, but login has changed with bank name change, so we then try to create new logins, but can not create logins until account is 'activated ' ). We have called customer service, who are not helpful in 'activating ' our accounts to then close them and send us our money back by check. Feels like 'big bath accounting ' with the name change to axos bank...
Consumer complaint received 2021-07-06
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. (FL)

Suddenly I saw an account that is not mine. I am victim of identity theft and therefore I am asking you to help me and figure out how it happened. I mean howcome this unknow item appeared in my credit profile. I ask you to make investigation and remove this item from my rpofile. 

Please check this account : XXXX  XXXX, XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Synchrony Bank updated its payment system recently and my payment card defaulted to an old closed account and when I resubmitted, it did the same thing. I had ample funds in my account to cover any payment. It was only when I went to process a third time that I saw the bank account was defaulting to the closed account. 

I attempted to contact Synchrony Bank and became frustrated as their phone tree and wait times are exceptionally long. When I finally reached a person I explained that their system was billing incorrectly and I had confirmation numbers and bank records to back up what I was saying. The agents just kept repeating that since there was returned payments the account was automatically closed and offered no recourse to a higher level without additional long wait times which seemed intended to discourage rather than resolve. There was no attempt to understand or accept that there could be an error on their behalf. I see from other recent complaints that my experience is not an exception and there was probably harm done to a broad swath of people with their unilateral decision to close a certain class of accounts which may well be in good standing due to a systemic error on Synchrony Bank 's behalf. 

What is more egregious is that after processing my payment which was twice the minimum amount due, and charging me a {$30.00} late fee, they closed my account which had never been late the following day. I have still not received any formal communication from Synchrony Bank and my attempts to have my account reinstated have been met with unhelpful rote citation of company policies.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

I XXXX XXXX Report Credit XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company XXXX XXXX XXXX  XXXX. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. Auto Sales Inc. (GA)

According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (AL)

My XXXX XXXX was the first to pass away due to XXXX XXXX in XX/XX/XXXX, same month I gave up my career to help support my family needs. I struggled very hard to pay at least the minimum monthly requirement to keep my payment history in good standards with NFCU. But I my credit card still closed an cost a major impact to my credit score. Now Im plan to obtain a mortgage loan to provide a roof over my kids head is at stakes. Also Later this following year My XXXX XXXX an my XXXX XXXX tested XXXX XXXX XXXX in XX/XX/XXXX, another late payment to my credit card. We lost our XXXX in XXXX of XXXX an my XXXX  was born in XXXX of XXXX was tested XXXX XXXX XXXX Therefore l XX/XX/XXXX due to XXXX I lost my job an love ones, so Im asking you to remove all negatives on my Credit Bureaus
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I called XXXX card services to pay off my balance in full. I spoke with a supervisor name " XXXX ''. After I paid it off I was told my credit would be updated on XX/XX/XXXX. However I'm in the process of building a home and needed it updated for my lender. I called an request a pay off letter which I did receive from XXXX card. However I still needed my FICO updated. I did a dispute with all 3 bureaus to report it was paid in full. The problem is, XXXX card reported back to the dispute by reporting inaccurate information to XXXX, knowing my account was paid in full they reported I still owed over {$1700.00}. They then reported to Trans union that my account was in fact paid off. I then called XXXX on XX/XX/XXXX and spoke to the same Supervisor " XXXX ''. I asked him why did they report inaccurate info to XXXX but accurate info to Trans union? He said he was not sure and would reach out to the XXXX XXXX for help and get back with me. Few days later on XX/XX/XXXX my Trans union report was changed again by them but this time it was reported that my account was not paid off and still had a balance of over {$1700.00} which is in accurate and opposite of their original report of paid off. This inaccurate report dropped my score XXXX points. I called back to XXXX on the XXXX and spoke to a supervisor named " XXXX '', not sure if I spelled that correctly. She had no clue why that happened or what to do other than notated my account for the XXXX XXXX. Her ext is XXXX. She also reminded me that they report to the bureau 's on the XXXX which would have been fine had they not continuously reported inaccurate info to them several times. They should have just not reported anything instead of false information. As for XXXX, my dispute for XXXX was in fact updated accurately and states paid off. But they claim they don't report until the XXXX... I contacted Trans union which was no help. The rep named " XXXX '' on XX/XX/XXXX told me they can only take what info XXXX gives then. So they also allowed them to report inaccurate information even after I stated I had a pay off letter from XXXX.
Consumer complaint received 2022-02-10
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. (LA)

I received a recent copy of my consumer credit report and noticed some unauthorized inquiries that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.
Consumer complaint received 2021-10-28
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)

HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXXXXXX XXXX to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ). 

After opening 4 disputes with XXXX XXXX XXXX XXXX ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX  but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). 

XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) and XXXX XXXX XXXX XXXX  via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. 

To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance.
Consumer complaint received 2022-06-22
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. (VA)

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

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

The following account has just shown up on my XXXX credit report... AWA Collections XXXX not only is this account completely fraudulent and not mine, its also as of 3 days from now not even legally collectable here in the state of California XXXX This is the first I have even heard of this supposed debt four years later! That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. This month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws are attached below.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXX XXXX {$840.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-10-28
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I files a Complaint # XXXX with CFPB against Experian for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XX/XX/XXXX on my personal credit report. Experian has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to Experian. Experian responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.
Consumer complaint received 2021-10-28
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: Experian Information Solutions Inc. (TX)

I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.
Consumer complaint received 2021-04-12
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. (WA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-04-07
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.