davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (KS)

On XXXX I received a physical letter containing an actual debit card to an account I knew nothing about, thinking it was some form of fraud attempt I called Discovers Fraud Department at XXXX and the male representative said he checked " both sides credit and banking '' and their was nothing with my information being used. Then on XXXX I received another physical letter indicating that my email on my bank account was being changed from my legitimate personal email to an email account of XXXX, obviously an attempt at theft. I called Discover Card Fraud Department again, this time being bounced from " credit '' to " banking '', neither could see the others ' information. Then transferred one final time to " New Accounts '' and after providing her my birth month and year and last 4 of the debit card, she said yes there was an account. She said " there is something here, but without a card number I can not verify it is fraudulent '', finally after finding the card she said the person opened the account and changed information all in the same day very quickly together. Unfortunately, since I am being told incorrect information one day and then something else the other, I do not believe the fraudulent account is being closed and permanently removed from my credit report and XXXX.
Consumer complaint received 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I had a home mortgage with Loan Depot which I paid off in XX/XX/XXXX. At that time I had an impound account with balance approximately {$15000.00}. As of XX/XX/XXXX I have not received that amount refunded to me. I have made numerous phone calls, spending hours on hold and on the line with Loan Depot. They have acknowledged I have not received the refund, but after repeatedly assuring me a check would be mailed, none has been received. They also struggle to find my loan in the system every time I call because it's been paid off. I've been told I need to speak with the Purged Loans department since it's been paid off, but have been unable to reach them. I've been told that department " doesn't answer their phones. ''
Consumer complaint received 2022-07-08
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. (FL)

To Whom It May Concern : 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. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX  XXXX Account # 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 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 ) ( 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. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for XXXX is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between Transunion and XXXX and XXXX last active date is missing. Date of last payment is missing for XXXX and XXXX but is being reported for Transunion. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (AZ)

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX XXXX. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Consumer complaint received 2018-08-24
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 repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to Experian, XXXX, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
Consumer complaint received 2023-03-21
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)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2020-02-03
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 , Inc is clearly reporting incorrect information. I do not owe XXXX of XXXX XXXX XXXX. I wrote them a letter asking them for physical proof this debt belongs to me. 30 days letter, they send me back a letter saying I need to prove it is not my debt. That is illegal. They are a total scam and they are ruining my credit.
Consumer complaint received 2020-02-03
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: SYNCHRONY FINANCIAL (IL)

I AM REQUESTING TO HAVE FRAUDULENT INFORMATION FROM SYNC/PAYPAL   REMOVED FROM CREDIT REPORT I NEVER OPEND CREDIT OR USED CREDIT. MY PHONE NUMBER WAS HACKED THROUGH XXXX  AND FRAUDULENT ITEMS WERE OPENED.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (FL)

I recently called and emailed the company in attempts to have the debt amount corrected in my credit report. They are reporting that I owe {$3500.00} when the debt should be reported as {$1700.00} per the XXXX county clerk of court. I have a notarized document from the court house that has the correct amount owed.
Consumer complaint received 2018-08-24
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. (CA)

I received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.
Consumer complaint received 2018-08-24
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 received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

PURCHASED HOMES XXXX AND XXXX ON REPAYMENT PLAN AND LOAN MODIFICATION SINCE BANKRUPTCY DISCHARGED XXXX MY CREDIT SCORE KEEPS GOING DOWN, ONLY HAVE 2 REAL ESTATE LOANS, NO CREDIT CARDS OR REVOLVING ACCOUNTS, NO OPEN ACCOUNTS, YET CREDIT SCORE WENT FROM XXXX TO XXXX IT SHOULD BE GOING UP NOT DOWN .... PLEASE ADVISE ME
Consumer complaint received 2020-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (GA)

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX GLOBAL LENDING SERVICES {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Consumer complaint received 2018-08-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (KS)

XXXX XXXX opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are Ad Astra Recovery Service I have disputed through XXXX and XXXX  The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Skagit Bonded Collectors, LLC (WA)

On XX/XX/2018 I contacted SB & C, Ltd. was referred to XXXX? and asked for verification of amount I owed. Twice she refused, said a letter was in the mail and would not verify the amount. This woman was aggressive in her tone and condescending. I told her I had not raised my voice to her and that she was being rude. The Lady hung up on me. Recently XX/XX/XXXX the judge had reduced my LFO and sent it back to collections. In the 7 years that this company has held my account, I received two letters, one on XX/XX/2018 and XX/XX/2018. Until 2018 I was unaware this company had an account for me.The interest charges on this account are being disputed. This lady has the ability to spin someones life out of control with her attitude. I have the right to be treated fairly.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (VA)

Collection on my credit report end of XXXX and then again XX/XX/XXXX. It was from XXXX and I have never had account with XXXX. I found that I was the victim of Identity Theft so I went through the process and filed FTC Claim and reported to other agencies, including putting Credit Freeze on all three Credit Agencies. 
I have excellent credit and always have, so these delinquent notices on my credit report is upsetting to me! The amount is {$1400.00}. 
Fast forward to today, XX/XX/XXXX, there is the same XXXX Debt on my Credit Report but it is from a Third Collections Agency! 
Today I was able to speak with a very cordial individual at Credence Resource Management Collections who said she was going to report this as Fraud to the back office of XXXX. 
However, this is the THIRD time I have been hit with the same debt that is not mine and was a result of Identity Theft. I also filed a dispute this morning with XXXX, Dispute Report # XXXX. 
And I am getting frustrated that XXXX keeps selling it to the collection agencies! Or at least, I think that is how it goes.
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (TX)

I called on XX/XX/2022 to request a refund of my student loans ( {$10000.00} ). Since then I have called several times to check on the status and all I get from them is " your refund is being processed by the Treasury Department ''. It has almost been 5 months and I was told the whole process would take 8-12 weeks.
Consumer complaint received 2018-08-24
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. (CA)

I received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We are eligible for PMI removal on our current loan through PHH Mortgage. We submitted payment for {$150.00}, on XX/XX/2022, for the appraisal fee, as the service center confirmed we met all requirements to have it removed. Once the appraisal came in, that would determine/ confirm we were over 20 % in. They cashed our check, and have been ignoring our calls/ emails in regards to this.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I scheduled an ACH transfer on Ally bank side, to pull fund from my XXXX XXXX account on XX/XX/2022. The amount is XXXX, is the saving for my home down payment. Fund was pulled from the XXXX XXXX account on XX/XX/2022 and never arrives my Ally account! And now this transaction record was removed from my Ally online account. I lost access to this large amount of saving, never expected I can lost my money on an ACH transfer. 

Ally customer service keep telling me to dispute this transaction from XXXX XXXX account. But this fund was scheduled by myself and fully pulled away by Ally bank, there is no way the other bank could dispute it. Ally is the side pulled the fund and should return the fund to me.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

The debtor filed bankruptcy in 2013 of the debt. The debt was later filed as a lien against me from XXXX XXXX XXXX, XXXX in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet XXXX WILL NOT properly communicate, address and release the lean. In contacting the company on XXXX, and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!
Consumer complaint received 2024-03-02
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. (IL)

These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

Account : XXXX XXXX XXXX account sent to collections after closed and settled. Collection agency : knight adjustment bureau- contacted to inform account resolved with creditor, account was fraudulently added to my credit report with inaccurate dates of account. Fcra protects consumers from inaccurate reporting or mis representing debts. Utah has a statue of limitations, the account was closed XXXX XXXX XXXX and has been reported as XX/XX/XXXX, XX/XX/XXXX, and now shows XX/XX/XXXX. Under the FCRA and XXXX  XXXX XXXX XXXX the law must be followed when reporting a collection and when requested MUST be verified for inaccuracies. I demand this account be removed under the fcra guidelines and knight adj bureau pay damages due to fraudulent reporting against consumer.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/2022 a dispute about deceptively misleading marketing was brought to Synchrony Financial, XXXX Synchrony Bank, XXXX PayPal Credit. Creditor continues to post derogatory comments to XXXX and other credit reporting agencies while the dispute remains unresolved to date. 

Recent research of CFPB resources find that Synchrony Financial has a long history of deceptive business practices. My personal experience with them over the last six months has been most distractive and damaging to my credit report as reflected by XXXX. 

Please find attached correspondence with creditor.
Consumer complaint received 2023-02-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX OF XXXX. Account # XXXX and XXXX XXXX XXXX Account # 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 2018-08-25
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)

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX