davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MD)

On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MO)

Had a remaining total balance of {$3800.00} with American Education Services ( AES ). I scheduled a payment for the balance in full onXX/XX/XXXX. On XX/XX/XXXX, the payment posted but AES erroneously added {$6.00} of additional interest that was applied upon receipt of the payment. <P/>When I requested that the new interest charges be removed, the company rep refused and would only process another payment which will take 30 days to reflect on my account. In fact, I had to make the request 3 times. Instead she just kept asking me to authorize another transaction. The representative then stated that there are two balances : a balance owed and " pay off '' balance. How is that legal? By definition, there is only one " balance ''. <P/>Inevitably, I had to authorize the payment in order to close the account. <P/>Either their website is not giving accurate account balances, or AES is arbitrarily charging consumers additional interest/fees when balances are paid in full. I feel AES is probably using their lengthy processing times to justify additional charges.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called Transunion on Tuesday,  XXXX   XXXX ,    2017  to have a temporary lift of my credit freeze so that an employer could check my credit. Transunion said that I would receive a pin i n 3-5 bu siness days because I never initially received a pin because the freeze was initiated through  XXXX . I have a pin for  XXXX  and  XXXX , but not Transunion. I called back on Wednesday,  XXXX   XXXX ,    2017  and asked to speak to a supervisor, then they said that it take s 5-7 bus iness days. Today is Thursday,  XXXX   XXXX ,  2017  and there is still no mail from Transunion. I really need to receive the pin to lift the freeze before I miss a job opportunity for lack of receipt of my pin.
Consumer complaint received 2017-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AZ)

Convergent  XXXX , placed an account on my credit report without FIRST notifying me of my right to dispute.   XXXX  They continue to forget the law as this is the 2nd time this company has done this to me.   XXXX  My rights say I have to be notified and given 30 days to dispute prior to placing the item on my credit report.   XXXX  Convergent  XXXX  collection practices are illegal and are continually being used on the American people.   XXXX  I called the company to see what was the bill.   XXXX  I was told that the bill was for  XXXX    XXXX   and  XXXX .   XXXX  I have not received a right to dispute.   This bill has not been verified and validated.   I do not have a contract with Convergent  XXXX  I am in the process of buying a home, and getting my clearance to work.   XXXX  Remove this incorrect collection immediately.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED AUTO ACCEPTANCE (GA)

I do not own this debt.This vehicle was stolen   XXXX    2016. P olice Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy. United Auto Acceptan ce ( UAA ) needs  to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why United Auto Acceptance refuses to go after the correct owner of this debt. If United Auto Acceptance can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed
Consumer complaint received 2017-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have submitted two complaints to the CFPB regarding egregious errors that Equifax has made on my credit report. I pay for monitoring services through Equifax and as of XX/XX/XXXX, Equifax will not allow me to access updated information of my credit score and reporting information. Additionally I included a consumer statement in an effort to explain the drastic changes in my credit report as a result of Equifax 's errors which was n't been included on my credit report.
Additionally, the Equifax monitoring service has been paid for the month and is effective till XX/XX/XXXX. I have contacted Equifax 's technical support and they advised that the research will take longer then the remaining time of my active account with them. I believe this action was retaliation of the complaints filed against them. I ask them for a credit for the days that I am unable to access Equifax data that has been paid and was told there was no way to provide a credit.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and Equifax report. The account was paid XXXX but on all 3 credit reporting agencies dates are XXXX, XXXX and XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XXXX and XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXXas reporting on XXXX and Equifax. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXXand XXXX orig delinquency date should be XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was an authorized user on a capital one credit card for my husband, I called capital one and asked to be removed as an authorized user and they agreed to do so back in XX/2017 it was never done. I then called again when I still saw the account on my credit report in XX/2017 and was told by agent that she was removing me that I was never removed as an authorized user on the account and that she was going to put in a credit bureau dispute to have the trade line removed from my credit report since it was preventing me from purchasing a home. I called today after filing a dispute with XXXX the only bear au that it is still reporting on and was told that there was nothing that they could do and admitted that it was reporting incorrectly since I had been removed.
Consumer complaint received 2017-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX/XXXX/2017, I attempted to have TransUnion startup an investigation into inaccurate and/or incomplete information they are reporting as public record. Rather than investigate my dispute as to who was the Trustee in an alleged bankruptcy case they attempted to give me the run around, and refused to investigate my complaint. I further requested the Court Number which they refused to investigate. When I informed them that I would file a Federal consumer complaint and asked where to file my complaint, they intentionally misguided me telling me to file with the BBB, not the CFPB.
Consumer complaint received 2017-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my Transunion credit report. I wrote to Transunion one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet Transunion continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

My account with Wells Fargo was overdrawn for {$100.00} and fees were assessed bringing the balance to XXXX. On on XX/XX/XXXX my account was closed by wells fargo and sent to XXXX XXXX XXXX for collections. I received a letter from the agency attempting to collect {$310.00}. On XX/XX/XXXX I called Wells Fargo to ask them to reduce the balance to the original overdrawn amount of {$100.00} due to my unemployment status ( please see supporting documents ). A Wells fargo representative agreed to reduce my balance only to {$250.00} and I was told they would communicate that with the collection agency. I made payment arrangements with the collection agency to pay {$50.00} bi-weekly begining XX/XX/XXXX. I have paid a total of {$150.00} in total and assessed new fees of XXXX from my new bank account where the agency is taking payment from because it 's also overdrawn due to my employment benefits being exhausted. I am going through a financial burden. It 's not fair that this matters was caused by losing my job. I am trying to do my best to take care of my obligations but I do not have the financial means to do so any further. I have paid a total of {$150.00} and my account was originally oaverdrawn for {$100.00} and raised to {$250.00} due to overdraft fees and later raised to {$310.00} by the collection agency. I have a daughter to take care of and no income. I would like assistance from the CFPB to help me resolve this matter. I tried to speak to the agency and they said they are not authorize to settle. I then called Wells Fargo and spoke to XXXX XXXX taking inbound calls who and explained my issue. She stated they would not be able to call the agency to reduce the balance because she only take inbound calls and that the agency should know what to do, but that she did show there was a settlement pending for {$250.00} on their side but that they never received payment from me. I told her that was because Wells Fargo sent it to XXXX XXXX XXXX and I 'm making my payments to them. She sated I would have to contact the agency and resolve it with them. The issue is that the agency is telling me to speak to Wells Fargo. At this point I feel like I 'm just going around in circles and getting no results. Just causing more burden.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose. 3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in XXXX in a communication to be sent to the borrower as indicated in XXXX 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Please be advised that on XXXX XXXX and XXXX, I applied for a Spirit Airlines promotional credit card, online. Unfortunately, I received two declination letters, citing that the declinations were based on information received from XXXX, citing that I have had an account written off as uncollectable. Knowing that my credit score is XXXX, and that I have never had any collection accounts, I contacted XXXX, who confirmed that the basis of Bank Americas decision was not based on any  information supplied or contained by them. And, that I do not have any collections account. Instead, I have 31 accounts in good standing and 0 accounts in negative standing, and 0 collection accounts. What is even more puzzling is that I previously possessed two Bank of America credit cards for several years, without any late payments or issues. That being said, I would like to know the basis of the declination, the actual source of their information, and why XXXX was accused of supplying information, that they did not supply, nor do they possess or have on file.
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (LA)

Dear National Enterprise Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. You have also contacted a family member discussing this debt which is a violation of consumer privacy. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Documentation showing my signature upon this debt. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 

acct # XXXX acct # XXXX
Consumer complaint received 2017-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc. (AZ)

U.S. Collections West, INC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/><P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28