davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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: LD Holdings Group, LLC (CA)

1. Had a mortgage with LoanDepot a few years ago, which LoanDepot sold to XXXX XXXX in XXXX. This loan was refinanced by XXXX XXXX XXXX, XXXX. 

2. I am in the process of refinancing to 15years Fixed with the current mortgage company, XXXX XXXX. 

3. On XX/XX/XXXX, I received a called from XXXX XXXX Specialist to clarify if I am having another mortgage with LoanDepot because it is reflecting on my credit. Which was absolutely WRONG. 

4.On XX/XX/XXXX, I checked my FICO Score and I found that LoanDepot is truly reflecting on my credit report that I have a loan of ~ {$430000.00} with a monthly payment of {$3200.00} with them. I planned to call then on Monday, XX/XX/XXXX. 

5. On XX/XX/XXXX before I even get time to call them, i received a call from LoanDepot marketer offering me to refinance my loan with them at a lower rate. I was upset! She transferred me to their servicing department. I was put through to LoanDepot staff, XXXX XXXX. 

6. When I explained my case to XXXX, he apologized and put me on a hold which was later cut off. 

7. I called severally but no success. 

8. Please, tis company is ruining my credit. The previous experience with them was horrific in which I never want to have anything to do with them ever. Kindly help!
Consumer complaint received 2024-03-19
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/XXXX I sent a complaint via ( CFPB ) in reference to this alleged debt owed to XXXX XXXX in the amount of {$5800.00} from Midland Credit Management. I asked Midland Credit Management XX/XX/XXXX for legal validation of this alleged debt. Midland failed to validate this debt appropriately in accordance to federal law ( FCRA ) stating that this debt is just accurate. XX/XX/XXXX, I received letter from Midland Credit Management Legal Department in reference to the XXXX  XXXX account. Midland Credit Management indicates in this letter that I have until XX/XX/XXXX to pay balance in full or face lawsuit. I currently have on standby legal counsel awaiting the alleged lawsuit to come from Midland Credit Management as they continue to break federal law and violate consumer rights.
Consumer complaint received 2020-08-18
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. (TX)

To Whom It May Concern, The reason for my dispute is the following accounts : XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXXXXXX XXXX XXXX   XXXX, XXXX XXXXXXXX, XXXX   XXXX  XXXX I am unable to locate documentation that they comply with this requirement, which is a violation of the FCRA & FDCPA 609 ,623 611, Section 807 ( 11 ) & FDCPA 809, Under 809 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-18
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. (FL)

I am a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX ( XXXX ),  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, XXXX and Equifax. XXXX has successfully updated and deleted the fraudulent accounts from my credit report. XXXX as also deleted some accounts from my report excluding XXXX XXXX XXXX ( XXXX XXXX   ) which still remain on my XXXX report after multiple disputes  and Identity Theft Report sent. Equifax have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (NY)

We have had repeated calls from this company Synter Resource Group about a XXXX debt of {$300.00} which we do not owe. We do not think this company or the claim is legitimate so we are not calling them. Have spoken to XXXX and we do not owe them any money. The message is an automatic one and does not address us specifically by name - we have gotten the calls for the past week every day. They say the file # is XXXX.
Consumer complaint received 2024-03-19
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-10-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Hi Portfolio Recovery Associates reports an account which is not mine I live in XXXX XXXX since XXXX yet this account is reported under my name which does not belong to me. After lengthly connections calls and discussions portfolio recovery is still not willing to remove the account even after XXXX  and XXXX  took it down from y report they put it back on. I need help to have this false account removed from my report. 

statement about the crime. 

Contact Information First Name : XXXX XXXX Name : XXXX Last Name : XXXX Address : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX USA Phone : XXXX Email : XXXX Personal Statement Hi I live in XXXX since XXXX I can not possibly have opened this account as I did not live in the US in XXXX to XXXX or after that Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : Portfolio recovery Date fraud began : XXXX / XXXX Date that I discovered it : XXXX / XXXX Total fraudulent amount : {$8300.00} Fraudulent Information on Credit Reports Accounts or ChargesYes, fraudulent accounts or charges appear on my credit reportPersonal InformationAddresses : No Data Supplied Phone numbers : No Data Supplied Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.XXXX XXXX XXXXDateUse this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
*Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

PreviousFinalize please remove this fase information from my credit report or at least stop reporting it if it was already removed by XXXX  and XXXX
Consumer complaint received 2020-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (FL)

On XX/XX/20 I placed a call to XXXX XXXX XXXX requesting an extension for a loan that was due on XXXX/XXXX/20. I was unemployed due to COVID-19 pandemic. I was only given a 7 days extension. On XX/XX/20 a payment of {$1000.00} was made to complete the loan agreement and close the account. Several weeks later I noticed that XXXX XXXX XXXX was still debiting payment from my bank account. I called XXXX XXXX and I was told that an account specialist would be contacting. I never received that call. I continued to call them but, no one could help me. I was finally told by one of their reps that there was some false activity done on my account, still no resolution Since then I have received letters from the mail stating that my account is over due and they will send my account to collections and threats stating that I would be reported to credit reporting agencies.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Conduent Incorporated (GA)

I am the recipient of a Georgia UI Way2Go Card Prepaid Mastercard. The card 's terms state that a funds transfer is a feature of the card : " You may transfer funds from your Card to a XXXX XXXX account owned by you. A fee will be assessed for each funds transfer request. You must initiate the funds transfer by calling the automated customer service at XXXX. '' I attempted to initiate a funds transfer by calling the automated customer service number 4 times on XX/XX/2020 and 2 times again on XX/XX/2020. I entered my account information and went through every option on the entire automated menu each time I called. There never was an option to initiate a funds transfer, nor was there ever an option to speak to a customer service representative. Each time I called, I exhausted all of the menu options presented to me before receiving the message that my " menu selection was invalid '' if I tried to press " 0, '' for example, then, " We're sorry you're having trouble. Goodbye, '' and my call was disconnected each time. This inability to initiate a funds transfer through the automated customer service line is completely contradictory to what is stated in the card 's terms. There also is no option to initiate a funds transfer from my Way2Go online account, as the only " Services '' offered there are " Bill Pay, '' " Alerts Management, '' " Pin Management, '' and " Disputes '' to dispute a transaction. I did find a link on the Way2Go Card website to " sign up for Direct Deposit, '' but when I clicked this, my State Program was not listed in the drop down menu ; the website explained that this means direct deposit from the card is not an option available to me. The only phone number given to contact Customer Service for this program is the automated line, which, as stated previously, doesn't give you the option to talk to a human to ask any questions, so I can find no way to initiate a funds transfer as stated in the card terms.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2020, I applied for an extension on my car loan with bbt website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX
Consumer complaint received 2020-10-02
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. (FL)

There is an unauthorized account on my credit report. XXXX XXXX XXXX . This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2020-10-02
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

CHARTER ONE/FM has been falsifying records. I opened the account XX/XX/XXXX, and I missed my first payment on XX/XX/XXXX. Charter one has been reporting the wrong dates and numbers to the credit bureaus. They report that I made 3 payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they are unable to show evidence of this or account for this. They also report the collection on XX/XX/XXXX, and they recently put a charge of on my account on XX/XX/XXXX. This is concerning because there has not been any activity on this account for the past 7 years, and now they are attacking me for an account that they have written off. Lastly, it has been past the statute of limitation for this account. This resent attack on my credit on XX/XX/XXXX shows malice. Please help resolve whatever is going on with this account. 

They sent me a letter agreeing that XX/XX/XXXX was my first delinquency. They also state in the letter attached that the account was already charged off in XXXX. This letter is attached to this email. They continue to report falsehoods to the credit bureaus ( XXXX  ), even though they know and have admitted the truth as seen on the attachment. They reported these inaccuracies in XX/XX/XXXX and continue to harass me.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (WA)

I refinanced with XXXX XXXX. They sold our loan to Dovenmuehle to service it. They can not accept my payment even though it is due on XXXX XXXX. They said to try back on XX/XX/XXXX. There is no communication on their website. I was not sent any communication letting me know about this problem. When I got a hold of a representative, he refused to send me information saying that it is okay not to pay my mortgage. He said that this phone call is being recorded and that is my legal recourse. This is illegal, right?
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amsher Collection Services, Inc. (TX)

I called Amsher collections who was reporting a debt against me from XXXX. It is reportedly to expire on XXXX, however I have had XXXX XXXX XXXX   since my son was born in XX/XX/XXXX. Ive never had a XXXX   account, so I called to inquire. I have never received an initial contact letter, no notice of my right to dispute. I told them I didnt know who they were I didnt have a XXXX account in well over 7 years now. When I called they informed me that they were going to sue me if I didnt pay this. I asked who the lawyer was and they named a lawyer not even licensed in Texas. 

They should not be reporting and should no longer make threats against me for legal action they know they cant take.
Consumer complaint received 2020-08-18
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: CAINE & WEINER COMPANY, INC. (TX)

all 3 credit bureaus reporting different account information about account. I have reached out to creditors and credit bureaus about getting the information 100 accurate because all 3 reports have different information so how would i know what is valid.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems is listed on my credit report. Reported by XXXX XXXX XXXX in XXXX SC which I never lived there. I sent them a certified letter to provide me proof that this bill is in fact mine. I asked for copies of a lease agreement with my name and other items to provide me proof. I sent the letter about 3 weeks and no response yet. I want this removed from all three credit bureaus effective immediately. They are very rude and disrespectful.
Consumer complaint received 2023-06-27
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (GA)

AFNI Collections is reporting a debt on my credit report that is not mine. I recently checked my credit and noticed this debt on my credit file. I called immediately and told them this could not be mine as the original creditor was XXXX XXXX XXXX and I have never had an account with them. This collection is erroneous and needs to be removed from my credit file.
Consumer complaint received 2020-10-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I have been awaiting a mortgage refund check in the amount = {$910.00} since XX/XX/XXXX. ( more than 3 years ago!! ) I have called almost weekly to get an update. Most recently I spoke with a Supervisor " XXXX '' ( initials XXXX  ) on XX/XX/XXXX assuring me that I would be emailed a confirmation of the mailed check number XXXX. There was zero result - no email, nothing. 
The deadline to confirm these monies = XX/XX/XXXX or forfeiture of funds. 
I have emailed confirmation on XX/XX/XXXX again that I am claiming this property. 
I have called weekly without result. 

Please followup with status and update on the refund check please. 
There is something critically wrong with the service at Dovenmeuhle - this is beyond reason. 
I will also followup with a complaint with the XXXX  as well. 

I can be contacted at : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bakalar & Associates, P. A. (FL)

I filed a complaint with CFPB, complaint no. XXXX on XX/XX/20. Bakalar replied with lies, I did not cancel the appointments, the times they gave me were not acceptable, and I have been asking for documents for two years. The Homeowners Association in association with Bakalar, their attorney and debt collector, is in violation of F.S. 720 for failing to provide documents requested. 

The attorney/debt collector is now charging me {$250.00} to respond to the complaint I filed with you. This is OUTRAGEOUS and I believe illegal. 

I want Bakalar investigated for charging unethical/illegal fees to answer the complaint. 

Thank you
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. This accounts are reporting negatively as collections on my credit report despite of my long-standing history of on-time payments. It is clear and evident that these accounts were just plopped on my account.