davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (GA)

I paid in advance for a one year subscription to The XXXX magazine. The sent four additional publications after my subscription expired without my authorization and did not advise me of what they were doing and did not give me the opportunity to cancel their unauthorized additional publication mailings.

The Nation turned me in North Shore Agency ( NSA ) collection to collect the {$29.00} they claim I owe the and now NSA is threatening action.
Consumer complaint received 2018-07-19
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. (TX)

I have filed dispute before but I didnt receive any response. My credit score is being affected due to something which I am not reliable of. 

My credit score shouldnt be hurtled due to some other companies mistakes or until and unless they are entirely sure if I owe the amount and I am reliable to pay it. 

This medical bill debt is giving me a very hard time as its effecting my score, all my efforts have been futile so I thought to file this complaint. 

I was told by police officer to go to the hospital as they saw my condition I was badly XXXX and XXXX. Upon reaching the hospital I provided them my police incident no and was treated as a crime victim. I was told to come back to the hospital and do some paper work we work which I did. Months passed and the collection company never told me I could dispute it while my score kept being hurt over something which I wasnt reliable for. Kindly remove it from my Equifax report Thanks
Consumer complaint received 2018-07-19
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: CAVALRY INVESTMENTS, LLC (FL)

Cavalry Portfolio Services is reporting a collection account to all 3 credit companies in the amount of {$650.00} this account is not mine I have been disputing this for a long time account dated XX/XX/2012 ... I need written confirmation that this is my account. 

thanks
Consumer complaint received 2018-07-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request for PRA to complete the enclosed Debt Collectors Disclosure Statement ( DCDS ) as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a XXXX request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (TN)

This Harley Davidson Credit account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX  and XXXX incorrectly continue to report the account as " Open ''.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (LA)

Back in XXXX or XX/XX/2012 I moved out of my house where the cable was being provided by XXXX. When I moved out I took all the equipment to the XXXX office and  returned what was needing to be returned and paid whatever I was billed. I thought everything was fine, never got any bill, documentation, ect. Until I received a very nasty phone call about a year later that I owed them because I didn't turn in my equipment. I told them that they were incorrect, they wanted a receipt showing otherwise. We were a year removed from me turning in the stuff, I didn't have the receipt. So, I went round and round and told them that I wasn't paying them the money. Its the principle of the matter, they have messed up my credit score and there's nothing I can do about it. The will not take a payment and delete the collection trade line from my credit, only will accept the payment. I need the collection removed. I did nothing wrong here, and feel like a victim of there improper record keeping. I'm trying to get a house right now and this is keeping my score lower than it should be. its gon na end up costing me big time over the life of the mortgage I'm trying to get because I'm having to take a higher interest rate. I know a lot of other people that XXXX has done the same thing to and it isn't right at all. Please do something about this, not only for me but for all those affected by this terribly managed company. 

Thanks
Consumer complaint received 2018-07-19
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: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX, I ran my credit report through XXXX. 3 accounts were on my account that show date account opened and closed with no activity reported. The dates closed respectively are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, ell well over 10 years old. I called XXXX, was told to submit a dispute request and they would investigate the accounts. At the end of XX/XX/XXXX, I was notified XXXX  finished its investigation, but would not take the accounts off. Reason : due to Customer Dispute, the 10 years changes to most recent activity date ( my dispute ) and the accounts would stay on the report. First and foremost, these accounts were not mine primarily, they were joint accounts dating back to when I was married. Since being divorced over 10 years now, there is no reason it should stay on my report. It is reducing my credit score for no good reason and immediately needs to be removed.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Over the last 3 or 4 months certain lenders/companies can not access my equifax credit report. I've called them multiple times and it's always the same. Theres no freeze on my report on their end. They advised me to tell the potential lender to call the company directly and request it.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

Re Case # XXXX After speaking with a representative from the CFPB about the response I received from Cooling and Winter not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. C & W states that they are handling the account for XXXX, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from XXXX. I did receive a letter from C & W stating that they are basically working on behalf of XXXX, but did XXXX sell it or have another company handle it, then take it from them and gave it to C & W to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from C & W of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that XXXX XXXX XXXXXXXX, which you state you are representing, would not agree upon while yet giving C & W the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with C & W. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, C & W is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that C & W stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.
Consumer complaint received 2018-07-19
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Experian. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I have a conventional 30 year fixed rate loan with Chase. Not high risk. They refuse to cancel PMI at 80 % stating that I need to be at 75 % due to XXXX XXXX guidelines. The loan is from summer 2015. My understanding is the homeowners protection act overrides any lender 's requirements.
Consumer complaint received 2018-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

A collection showed on my account through XXXX XXXX. I tried on multiple occasions to make an online dispute with Trans Union. On all three occasions, 2 from the same computer and 1 from a different computer, I got all the way to the end of the dispute form but was not allowed to submit it. I checked their form up and down and had left nothing out, clicked or unchecked but still the 'Submit ' button would not activate nor submit the report when I clicked it. 
The collection action had lowered my score by nearly 30 points. I  have no idea who they are but have no intention of fighting with someone on the phone who will automatically assume I am a liar. In the past two years I have paid off all my credit cards and only have a consolidation loan through my credit union with any amount over {$100.00}. My score has gone from a mid-500 to XXXX until several days ago when this new company posted the same collection to my account prompting Trans Union to lower my score by nearly 50 points. 
I have tried to log into the account I was required to set up with Trans Union only to be told the password I am using is bad - so I change  the password and get kicked to a page which says, " XXXX you can not access your account at this time. Please contact your Security Administration or Help Desk. '' I get the same message when I try to log in from my home computer so it is nothing on my end.
Consumer complaint received 2018-07-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Auto Credit Corporation (NY)

In XX/XX/2017 I lost my vehicle due to repossession there were several errors in the paperwork between the original creditor and the one who my account was transferred to. First of all I signed nothing with their company until almost 6 months after my account was transferred without my knowledge. I'm sure there are several violations in their procedures that I may not be aware of but I do know that they sold the vehicle " BELOW MARKET VALUE '' which proves the sale was not commercially reasonable. 

When I disputed the debt with the better business bureaus they advised that there was an issue with the transmission or the engine I can not remember however they never provided documentation of such, making it " Hear say. '' The debt is now " in collections/charge off status. '' A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment. 

I didn't mind paying this debt but they have put me in a bind and have unfair business practices that prey on the consumer. From the first day my account was transferred they changed my due date which went from bi weekly to weekly this caused tons of late fees on my account and increased my loan amount due.
Consumer complaint received 2018-07-19
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: ResidentCollect, Inc. (FL)

Resident Collect is adding a collection account to my credit report with XXXX in the amount of {$840.00}. I have been disputing this account for a very long time because this account is not mine. I need them to send me written confirmation that this is my account.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Harley Davidson Financial Services Inc (TX)

I have tried to fix this numerous times with no luck and they have to license to collect in my state and repossessed the bike and sold it for nothing and the debt is over 4 yrs. in Texas making it over with
Consumer complaint received 2018-07-19
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. (NC)

On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (TX)

I have tried to resolve this issue multiple times with no out come on my credit report 2 times shows my last payment in XX/XX/2017 which is clearly wrong and can not be on my report more then once
Consumer complaint received 2018-07-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (FL)

I have a loan with MERCEDES-BENZ FINANC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and MERCEDES-BENZ FINANC with no successful resolution. XXXX, XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
Consumer complaint received 2018-03-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MA)

I am on auto pay and pay my entire lease bill through the autopay feature directly through my checking account monthly. Each month for the past several months, GM Financial has sent me a bill for {$32.00}. Each month I call and sit on hold waiting forever to get through to the call center because they are experiencing, " Unusually high call volume. '' Each month, they tell me they're going to remove the amount. Each month, they tell me it will not happen again. 

Then, the next month comes and I get a bill for {$32.00}. This is attempted theft. I have no doubt that there are people out there paying this erroneously billed amount. 

This month, my bill for {$32.00} came with an additional " PAST DUE '' amount of {$380.00}. 

I called again and learned I'm not past due ... that it is my vehicle 's " property tax '' and I have a year to pay it.
Consumer complaint received 2018-01-05
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a XXXX down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Credit Report Date : XXXX XXXX, 2017 Report : XXXX XXXX XXXX XXXX XXXX is wrong no such Address XXXX XXXX XXXX XXXX is wrong no such Address these are not my address as stated before. 

Please provide proof to me these address that there my address current or prior. 
There is no unit and these are condo units each one has a number nit an address as Experian just shows.