davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC (MS)

On XX/XX/2022 I entered into an XXXXmth employment contract with Loan Depot , LLC to be a mortgage advisor. My official start date was XX/XX/2022. I was paid a sign on bonus of $ XXXX and then was paid $ XXXX for the next 5 months ( approx. $ XXXX ). Any income above this amount I would receive additionally. I was hired on to Loan Depot with a former co worker who would serve as my manager as were a team of us that would cover the state of XXXX and the other states we chose to be licensed in, for me I was licensed in XXXX XXXX XXXX  and XXXX. 
The mortgage business had begun to slow during this time as mortgage rates had started to increase and inventory was at all time lows. The team that I was hired on with beginning with the processors were let go by Loan Depot so they could cut back on the salaries employees. My manager resigned as did all of the other loan consultants in my immediate group because of the poor management and lack of compliance from Loan Depot. I was the only employee hired with this Mississippi group that was remaining and after XXXXmths I resigned my post. Loan Depot was required to have an office per NMLS rules XXXX miles from where I conduct business, there were times they had me tied to the an office in XXXX and XXXX, XXXX which was not even close to where I work as I have worked out of my home in XXXX, XXXX since starting with Loan Depot. I resigned out of fear of losing my license to originate mortgage loans due to compliance issues with Loan Depot and the constant change in processing and management. 
Loan Depot had been emailing me collection letters for me to pay back $ XXXX to which I obviously can not pay and at this point they have put a collection of $ XXXX on my credit report which has damaged my perfect credit rating as I have always paid my bills on time. To sum up my complaint, I worked hard for a company for XXXXmths trying to make ends meet in a tough work environment. I do not believe they lived up to the company they had told me they were and after falling a month short of completing my obligation for the XXXXmths, I know owe them $ XXXX and they have ruined my credit. 
Sincerely XXXX XXXX
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (MD)

RS Clark and Associates , Inc. is trying to collect a debt which has been paid and the reconciliated account by the original creditor shows a balance of {$0.00}. I believe this collection to be inaccurate and illegal for two reasons : 1. I was never informed of the subject debt transfer from the original creditor to RS Clark and Associates. 2. It is in violation of The Servicemembers Civil Relief Act. 

Background : I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during my time as a tenant, I was never late for rent or missed a payment. I vacated the property on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX after signing an account reconciliation indicating that I was to be owed a {$410.00} refund. I proceeded to move to Maryland in order to attend XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX for a period of 6 months which I currently XXXX XXXX. In my surprised, I received an email From XXXX XXXX Stating I owed them a balance of {$1900.00} stating that I never paid my XX/XX/XXXX rent. I proceeded to send them ( via email traffic ) my bank statement showing that the money was in fact paid for the month of XX/XX/XXXX as for every month before that. After that reach out to me via phone call and we once again went of the account reconciliation ( which they provided me with a copy, and the account balance was {$0.00} after payment from insurance and closed. 

I'm not sure of what's happening but I have provided all the receipt showing that I paid the account, and it was in good standing.
Consumer complaint received 2022-05-29
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. (TN)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX  XXXX  ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Trans Union in regards to the glitch that happened last summer in 2016 and again in the beggining of the year 2017 where inquiries were deleted and then re added back to my report illegally due to the fact no one notifed me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics.
Consumer complaint received 2022-05-29
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. (NC)

In accordance with the Fair credit reporting act ( XXXX XXXX XXXX XXXX Account # XXXX ), ( XXXX/XXXX  Account XXXX XXXX ) has violated my rights. 


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 2022-05-29
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. (TN)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX ( XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express XXXX XXXX credit card. I was told after spending XXXX in the first 3 months I would receive 100,000 points. I spent that in the first 3 weeks. I waited about 6 weeks and called to see why I have not received my points and I was told that I should have. Well guess after 3.5 months no points and 4 phone calls. One person started a dispute waited a week and then was told that was wrong so now I have filed a complaint. I was told it would be expedited. 12 days later I call and am being told I have to wait 3 more days. Everyone can see that they are supposed to give me 100,000 points but no one will do anything about. This is the worst customer service and I feel I was misled into using their product. I have put about XXXX on the card. I have other cards with them and have never been late. I just want my point and move on. I have spoken with XXXX and XXXX.
Consumer complaint received 2022-05-29
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. (WV)

I became delinquent in this credit card in XXXX of XXXX, which is the same month that I was laid off of work due to having a fever. I didnt return to work until XXXX, and my Unemployment benefits didnt hit my account until around XXXX, which all went towards catching everything else up. The credit card was turned into collections in XXXX of XXXX, at which point I had set the money aside so I paid the entire balance off, however when I did this, I asked that they remove the derogatory remarks from my credit report if I paid them the whole balance. They said they would, however they never did and I made no progress at getting them to so I gave up. However yesterday XX/XX/XXXX XXXX XXXX  added remarks to the account that decreased my equifax credit score by almost XXXX points. I called them and asked why this was and they stated because I had filed a dispute saying that I was delinquent on that card due to unemployment as a direct result of the natural disaster/pandemic that was covid 19, so they changed the status of the account from paid back to charge off. In addition to that, they told me that equifax was to blame for the credit score decrease and that I needed to talk to them, so I called equifax, who confirmed what I already knew. Which is that they just place what the companies report to them on our credit files. I found this to be extremely odd as I have paid the entire balance of the card, but because I filed a report that they didnt like they literally ruin my credit. I have worked so hard to get it up to around XXXX from what they did to me the first time and now they drop me back down to XXXX as retaliation. This has to be against the FCRA, and its unacceptable. Please help me, I am trying to get my life on track and without credit, its impossible. XXXX XXXX bank is a dishonest corporation and I hope to see something done about them. XXXX/XXXX  XXXX  are supposedly sending me a letter stating that the balance was paid in full by me, but were reluctant to say it was paid by me because they know they are at fault here.
Consumer complaint received 2022-05-29
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. (TN)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXXXXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX XXXX ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XX/XX/2020 Portfolio Recovery Associates filed a lawsuit stating that I owed them XXXX. The court date was set for XXXX XXXX, the plaintiff did not show up. The court date was rescheduled 3 days before the initial court date, they did not show up for the rescheduled date. They filed a continuation which was scheduled for XX/XX/2020 and a gentleman who was present was impersonating an attorney. 

During the court session, I pointed out several discrepancies with their claims. One being the varies amounts claimed to be owed. The second being the bogus witnesses and signatures throughout several documents. The case was ultimately dismissed, however, still remains on my credit report. 

This company does not have a signed contract or photo ID to even verify who the owner of the debt is and is preventing me from getting loans and employment by falsely reporting information they can not prove. They tried to get a default judgement by rescheduling court dates and not showing up the first two appearance and appearing a 3rd time, hoping I would not be there. During the court proceedings they even tried to read a " witness '' statement knowing the rules of the court requires all witnesses be present.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (WV)

I became delinquent in this credit card in XXXX of XXXX, which is the same month that I was laid off of work due to having a fever. I didnt return to work until XXXX, and my Unemployment benefits didnt hit my account until around XXXX, which all went towards catching everything else up. The credit card was turned into collections in XXXX of XXXX, at which point I had set the money aside so I paid the entire balance off, however when I did this, I asked that they remove the derogatory remarks from my credit report if I paid them the whole balance. They said they would, however they never did and I made no progress at getting them to so I gave up. However yesterday XX/XX/XXXX Synchrony bank added remarks to the account that decreased my XXXX credit score by almost XXXX points. I called them and asked why this was and they stated because I had filed a dispute saying that I was delinquent on that card due to unemployment as a direct result of the natural disaster/pandemic that was covid 19, so they changed the status of the account from paid back to charge off. In addition to that, they told me that XXXX was to blame for the credit score decrease and that I needed to talk to them, so I called XXXX, who confirmed what I already knew. Which is that they just place what the companies report to them on our credit files. I found this to be extremely odd as I have paid the entire balance of the card, but because I filed a report that they didnt like they literally ruin my credit. I have worked so hard to get it up to around XXXX from what they did to me the first time and now they drop me back down to XXXX as retaliation. This has to be against the FCRA, and its unacceptable. Please help me, I am trying to get my life on track and without credit, its impossible. Synchrony/American Eagle bank is a dishonest corporation and I hope to see something done about them. Synchrony/XXXX  XXXX  are supposedly sending me a letter stating that the balance was paid in full by me, but were reluctant to say it was paid by me because they know they are at fault here.
Consumer complaint received 2022-01-24
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-11-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent out a dispute letter on XX/XX/20 regarding unauthorized inquiries on my account. I have not received any correspondence, nor have these items been removed.
Consumer complaint received 2021-12-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sunset Management, Inc (GA)

The company has repeatedly called friends of mine and harassed them about my debt they have also come to my moms house a number amount of times to discuss my debt with them telling them they were going to have to take me to court even after they have told them I dont live there anymore.
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (MD)

I have a loan with Lending Club. I was informed that I habe the ability to change my due date which I atrempred to do online. After making the change a enaul waa sent to me stating that because of the requested change that 2 payments woukd come iut of my account in one month. That made no sense to me at all so I contacted the agency on XXXX XXXX for clarification but after 30 to 45 minutes on the phone wuth the representative I had not accomplished anything so at that point I told the representative that I wanted my payment to remain as is with payments coming out on the XXXX of the month and he asked me was I sure several times and I said yes and he said ok the payment would come out on the XXXX. I thoght everything was taken care of until I started to recieve phine calls from a XXXX area cose this week to finally I was able ti acceor the call today XXXX/XXXX/17 and the representative stares that they were calling about my payment annd I was within my grace period. This is an unlawful practice because my account was comprimised and slated to have two payments come out of my account in XXXX/XXXX/17. Please have the employee and company reprimanded for this. Something needs to be done I feel violated.
Consumer complaint received 2017-09-26
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. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2022-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My complaint is against Capital One Bank for failing to contact two of the three credit burous as they agreed to do in a prvious CFPB complaint. In this previous CFPB complaint complaint number XXXX Capital One Bank agreed to contact XXXX, XXXX and XXXX to have unauthorized hard credit inquiris removed from my credit reports. As of XX/XX/2022 XXXX and XXXX has not recieved a request from Capital One Bank for the removal of these hard credit inquiries.
Consumer complaint received 2022-05-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

MY DESPUTES CAME BACK VERIFIED FOR BEING ACCURATE FOR XXXX, ACCOUNT XXXX 1.DATE OPEN IS ININACCURATE. 2.TERMS ARE INACCURATE. 3.HIGH CREDIT IS INACCURATE. 4.LAST REPORTED IS INACCURATE. 5.DATE OF LAST ACTIVITY IS INACCURATE. 5. DATE OF LAST PAYMENTIS INACCURATE. 6.PAYMENT HISTORY IS INACCURATE. THESE ARE THE THINGS I SEE THATS INACCURATE ON MY XXXX, EXPERIAN, AN XXXX CREDIT REPORT WICH IS GROUNDS FOR REMOVAL. AND THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY. AND UNDER 15 U.S.C. 1681 SECTION 604 A. STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITIN 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 15 U.S.C. 1681s- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTINGAGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS ACCURATE.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: U.S. BANCORP (NY)

XX/XX/XXXX I received a voice mail stating they were trying to collect an old debt. I do not have any delinquent credit accounts so I didn't respond to this voicemail. they called a few more times and today called my XXXX XXXX. I returned the call today at XXXX and was told I owed {$1500.00} from XXXX and they would settle for a lesser amount today. I asked for the information to be emailed to me and all they sent was a payment agreement but information regarding the originality of the debt except that it was from a credit card from US bank with whom I have never done business. When I asked through email for more information I was told the case would be marked refused to pay and he wished me good luck. Clearly this is not a valid debt however my concern is that the caller read to me my social security number and my current address and an old address from many years ago