davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

The debt is for my grand daughter XXXX which was in the hospital due to a medical issue and should be reflected on my sons credit report. I am XXXX XXXX XXXX XXXX and he is XXXX XXXX not mine. I talked to the collection agency and was told the debt is mine. I disputed it with the credit agencies and was told it was a valid debt on my report. the only identical thing here is my son has my name, making him a junior, not a senior.
Consumer complaint received 2018-06-26
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: EQUIFAX, INC. (VA)

I was looking at setting up a XXXX account and they said that they would have to pull my credit is that OK? I said Id rather not I just got a car so I already have some inquiries on my account the guy said OK thats fine I have a way to do that let me ask my supervisor and grab the form I need he asked me five questions about my credit history and was able to tell me right away that I was in the clear for an account. however several days later a hard inquiry is now popping up on my account that I specifically did not authorize. I reached out to XXXX and they didnt know how to help me they said to reach out to an agency. I submitted a dispute to Equifax and it came back as a normal inquiry of course because they didnt have any background on its I need to take it off my credit because I did not authorize it and it is affecting my credit which I have worked very hard to build. My call is probably recorded I am sure that XXXX could verify that I did not authorize it.
Consumer complaint received 2018-05-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (NC)

This account was originated with Santander USA in XXXX. This auto loan became a volunteer repossession in XX/XX/XXXX. The vehicle was sold and a dispute was honored and remaining balance after the sale of the vehicle was made with Santander USA. Santander USA updated my credit report and still reflects {$0.00} as of XX/XX/XXXX. This account was settled and closed out. I am now receiving harassing phone calls from a Debt Agency regarding a balance which has now impacted my credit majorly.
Consumer complaint received 2018-05-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Compass Recovery Group, LLC (CA)

In XX/XX/XXXX I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of XXXX Law and contested the debt. I made no payments past XX/XX/XXXX. 

I have received 3 calls from a woman stating her name is XXXX XXXX with Compass Recovery Group ( XXXX ) XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in XXXX  when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX CRCP # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. 

There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated Compass is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).
Consumer complaint received 2018-05-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

This is a fellow up with previous case # XXXX-XXXX. you have requested more information. Here I attached the documents that will show you my mortgage you bought from XXXX XXXX XXXX. This is the Assignment of the Deeds. 

Thank you XXXX XXXX
Consumer complaint received 2018-06-26
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: JPMORGAN CHASE & CO. (CA)

I have a loan with CHASE AUTO. 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 and CHASE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-06-26
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX is reporting false information that is inaccurate and erroneous to the 3 credit bureaus that is not in compliance with the FCRA. I have never signed or opened an account with them. I have sent multiple letters ( see attached documents ) to XXXX XXXX and the 3 credit bureaus ; however, the investigations and re-investigations continue to come back as verified. XXXX XXXX is not a creditor ; however, they are reporting as if they are to cause maximum harm to a consumer 's credit score by providing informational changes on a monthly basis that pertains to an account status changing from installment debt buyer factoring company - other. In addition, the account shows as other on some reports and collections on another report, and they might change to show open or closed as well for the status of the account. In addition, they are reporting past dues and payment histories as if they are a creditor. Furthermore, under FDCPA 803 ( 4 ) - a party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. XXXX XXXX is not my creditor. I have never opened an account with this collection agency. Please find the information in the attached documents pertaining to my information and their findings.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I believe my consumer protection rights were violated by Bank of America and I would like to file a complaint. 
A brief description of what took place, here below : on XX/XX/XXXX, I called Bank of America Customer Service and requested to have my credit card with new expiration date sent to XXXX. I was there working on a project and my card was to expire in XX/XX/XXXX. I spoke to Customer Service Representative and gave him my temporary address information to ship the card to. I was told that everything was taken care of and that I should receive my card within a week. Next day, XXXX, I received an email from Bank of America informing me that my card was sent to my US address. I contacted Bank of America on XXXX and informed Customer Service Representative that my credit card was sent to the wrong address despite my request. While waiting for the Customer Service Representative to check availability of shipping options, all of a sudden I was transferred to a Senior Credit Underwriter. That appeared very strange to me. I was not asking for a credit limit increase nor was I applying for a new Bank of America product. I simply wanted my credit card with new expiration date to be sent to alternative address. Senior Credit Underwriter informed me then that she could not send my card to XXXX because there was an extended fraud alert on my credit. I never placed one. Senior Credit Underwriter also stated that she was not able to verify my identity. That sounded really strange to me considering the fact that I provided both the Customer Service Representative and Senior Credit Underwriter with all the necessary information to do so, including my phone number and email address. At that point I had no choice but to close my account. I was actually forced by Bank of America and/or its employees to close it since Bank of America and/or its employees were not favorable to me and acted to my detriment. A week later I received correspondence from Bank of America, sent to XXXX, informing me about my recent credit request on account # XXXX, letter # : LL XXXX XXXX XXXX XXXX. I was informed that my credit report was pulled and that I needed to call XXXX number to continue processing my request. I did not grant nor gave permission to Bank of America to view my credit. I did not apply for any products and/or services. In XX/XX/XXXX, I received another mail correspondence from Bank of America, letter # : AU XXXX XXXX XXXX XXXX. The letter informed me of enclosed copies of items recently requested. These included account summary and transactions from XX/XX/XXXX - XX/XX/XXXX. There was a new balance total of {$290.00} and the due date was XXXX. I never requested any statements from Bank of America nor had I any balance on the card. I closed the card on XXXX with XXXX balance. I am looking forward to hearing from you soon as I would like to resolve this issue once and for all.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX XXXXXXXX XXXX  account reported on my TransUnion credit report with a balance of {$1200.00}. The account is listed as closed and reported as a charge-off, and the recent updates to this account raise concerns about its accuracy. Specifically, I am concerned about the inconsistency of reporting a charge-off status while still reflecting an outstanding balance. If the account has been charged off, it raises questions about why a balance is still being reported. Additionally, I am challenging the accuracy of other details, such as the payment history, payment status, last payment date, and monthly payment amount. These discrepancies introduced by the recent updates are negatively impacting my credit score, and I am requesting a thorough re-investigation to ensure all details are accurate and complete. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information. I ask that TransUnion conduct a thorough re-investigation of this XXXX XXXX XXXX XXXX account to verify the accuracy of all details. If TransUnion decides to maintain this account on my credit report, I request a detailed explanation of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXX XXXX XXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period as required by the FCRA.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

Discover has denied graduating me from a Discover Secured credit card to an Unsecured Discover card, after, my 6-7 month " probationary '' period. During the 6-7 months that I've had my secured credit card, I have never been late with my payments nor doI have ANY late payments on my credit report. When I called Discover to inquire about graduating from secured to unsecured credit card, they claim that XXXX XXXX XXXX reported that I have a late payment, which is UNTRUE. I personally, called XXXX and was told that they did not report ANY late payments to Discover. I then, called Discover back, to inform them about what I was told, they conveniently said that XXXX reported the late payment. I Personally called XXXX and was told that they DID NOT report ANY late payments to Discover. My conclusion, Discover has manufactured issues to renege on their promise to graduate me to a unsecured credit card, after I adhered to their requirements of ; PAYING ON TIME, NOT MISSING A PAYMENT and MAINTAIN A BALANCE. They have yet to graduate my secured credit card, even though I informed Discover that the credit bureaus, they claimed reported " late payments, '' said they DID NOT report ANY LATE PAYMENTS to Discover.
Consumer complaint received 2018-05-25
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: EQUIFAX, INC. (TX)

On or about XX/XX/2018 I requested a Investigation on my credit report with Equifax File number XXXX and another file number XXXX. On both of these claims I can not get any information from Equifax either by E-mail or united States post office mail.
Consumer complaint received 2018-05-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc. (OH)

Received a call from this collection company on my daughters phone. How they got her number, i have no clue because the original creditor doesnt have her number. XXXX XXXX calls me about my account with XXXX. Now mind you, i have been corresponding with them since I got laid off in XXXX. I end them updates every few weeks to let them know the progress of my unemployment application. I have sent them copies of everything as well as original documentation from my former employer. XXXX XXXX stated they mailed me a letter on XX/XX/XXXX to my current address and I informed him that i never received anything from them. He had all my personal information and stated he was calling to see how i wanted to move forward in resolving this matter. I told him i have been unemployed for 5 months and i am looking for employment. I am behind on my mortgage and other bills so this bill was not my full concern at this time. Securing me a place to stay was more important than this bill. He said i was approved for a " hardship '' application and i asked him for documentation to show the legitimacy of this company, the hardship application etc. He stated he would send me a confirmation email once i set up a payment arrangement. I gave him a pre-paid debit card that i no longer use to see if the company is legit and when i looked up the information, they are known for defrauding people and collecting information once a company sells the debt. I contacted XXXX XXXX company to question them about this and they told me they had sold or settled my account because I have been making payments and corresponding with them as well as giving the legal documentation from unemployment and my former employment. The balance the guy told me was incorrect as well and he even said I have been making timely payments but then everything stopped. Thats where the red flag went up. I have filed complaints with the Ohio Attorney generals office, consumer finance and I am filing a police report as well because they are trying to get over on me and I still havent received a confirmation email or documentation to validate this company and or account and i have not received a contract of anything either. I called our local phone companies to have them blocked and reported this company for harassment since they phished the internet for my daughters phone number. 

I have also alerted all 3 credit bureaus and Consumer internet crimes along with the internet crimes department of the FBI. A company similar to this did this very thing just a few months ago and took everything I had. I refuse to go through this again.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

Our home was hit by Hurricane XXXX on XX/XX/XXXX. Our zip code, XXXX, was declared a natural disaster area. I contacted my 1st mortgage ( CIT BANK ) to request forbearance. On XX/XX/XXXX, I received a letter from CIT Bank that my partial forebearance was approved ( Attached ) and would receive a contract to sign ( attached ). We signed and returned the contract and made our first partial payment on the date on the contract. I received a Credit Report Alert ( XXXX ) that CIT bank reported my XX/XX/XXXX payment 30 days late. I contacted CIT Bank and reported the error and was told that the contract DID NOT state they were not going to report late and therefore the 30 days past due was accurate and there would be no corrections. I cancelled the forebearance agreement in XX/XX/XXXX and made the additional payments to be current due to the severe impact on my credit score. I submitted a dispute for the late payment with the credit bureau and it came back as verified. My loan was transferred to XXXX as the new servicer on XX/XX/XXXX. I disputed it with XXXX and they will not make any corrections because it was CIT Bank My credit score dropped 40 points because of the 30 days past due on the credit report. Currently I am trying to refinance due to a balloon payment due XX/XX/XXXX and are unable due to a late payment on my mortgage within 12 months. I feel I was tricked by CIT by them not providing all the facts after a Hurricane hit our home. I can not get refinancing to make my balloon payment on my CIT Bank Mortgage.
Consumer complaint received 2018-06-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

Now I see that USAA/XXXX  has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with USAA months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan. 

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company. 

USAA/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan. 

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from USAA/XXXX. 

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.
Consumer complaint received 2018-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX about 5 items on my credit report. As of XX/XX/XXXX, I still have not received any results of the investigation from Equifax, and the items remain on my report.
Consumer complaint received 2018-05-26
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: Experian Information Solutions Inc. (NV)

I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called Experian and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
Consumer complaint received 2018-05-26
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. (FL)

I received my Experian report and discovered that there's two accounts still on my report that don't relate to me and Experian has refused to assist in the removal of these accounts. ( XXXX & XXXX  ) I was a victim of identity theft. I sent in my FTC ID affidavit signed and notarized to them. I also sent to them all my identifications to identify myself including the police report case number for their own investigation which police where actually on the scene of the incident!! They have ignored the law of section 605B of the FCRA. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

They did not provide one of the statutory reasons that permit them to deny within the 4 days the law permits.

Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. These two accounts need to be removed as this has caused damages to myself and family.

XXXX XXXX XXXX   SSN # XXXX DOB:XX/XX/XXXX XXXX XXXX XXXX XXXX FL, XXXX
Consumer complaint received 2018-06-26
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: Experian Information Solutions Inc. (GA)

1 ). I have a duplicate account on my experian credit report that I have disputed more than three times just to get ( Outcome Updated ) as the result. Please help me get this inaccurate information removed from my credit report.

2 ). I have an aged 7 year old closed account that I disputed to have remove but experian will not remove the account. When I dispute this item the result come back as ( Outcome Remains ) Please help me get this aged closed account removed from my credit report.

3 ). I am sending over supporting documents to prove my case.

Thanks