davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (SC)

XXXX XXXX not standing behind their Warrenty and discover card want to take their side I have all paperwork where Work performed and companies product inspected which their part failed
Consumer complaint received 2016-06-02
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PRA has failed to notify the credit reporting agencies of multiple disputes that I have filed with them, in addition to other violations of FCRA. 
Though I have filed disputes with Portfolio Recovery Associates directly and also via XXXX, they have failed to notify the credit reporting agencies of my dispute in violation of FCRA 623 ( a ) ( 3 ) but have continued to pull my credit monthly and report updates monthly.
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (KS)

I obtained a line of credit through XXXX XXXX XXXXXXXX and am struggling to make the payments and live. My husband had a job change and our household has taken an income reduction. I am not disputing the debt but need a more reasonable payment arrangement. Payments are due every two weeks and fluctuate in amount but typically range from $ XXXX {$400.00}. They have allowed me to move a payment but then that payment plus regular payment is then due. I am desperate for a fixed payment that I can manage and still feed my family. The interest rates these types of companies are allowed to charge shouldn't be legal. When your credit is less than desirable people like myself aren't left with many options. I borrowed the money and am responsible for paying it back but please have some grace and allow me to do it in a more manageable way.
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (OH)

On XX/XX/2018 a collection account from The CBE Group Inc-Former was added on my credit report on all 3 Credit Bureaus for an account with XXXX XXXX XXXX XXXX that states it was opened XX/XX/2018. First off from doing my research XXXX XXXX and XXXX XXXX is based and services in California. I have lived in Ohio for the last 2 years and prior to that I lived in XXXX for 7 yrs. and XXXX  for 20 yrs. Not once did I ever have this service provider in those 28 yrs. This came up on my Credit report once before I believe in XX/XX/2018. It was removed shortly after, as this is not an account I opened and also they deemed it as Fraudulent and was removed from my tradeline then magically I was applying for an Auto Loan and this Company added a collection account to all 3 credit bureaus. Now they are " Parking and Re-aging a debt that is not mine. They have never contacted me via mail, phone or any sort of communication. So not only has this account been removed once from a different collection agency due to it not being my account and not mine and not accurate. I want this removed from my tradeline on all 3 credit bureaus immediately.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Systematic National Collection, Inc. (HI)

There is a debt reported on my consumer credit file from SNC inc that although I have disputed and asked them to verify or validate, the company refuses to do so. I have asked for documentation, an affidavit, an itemized list whereby I may draw some information and the company refuses all attempts by myself to comply. 

I am asking the CFPB to intercede on my behalf and get the company to comply with my request and provide documentation under the FCRA laws. They are very good about stamping it FCRA compliant but have yet to actually comply.
Consumer complaint received 2018-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: 3rd Generation, Inc. (CA)

I normally pay my car loan on my first check of the month, which is usually within the 10 day grace period of my contract. The day after the loan is due, I get harassing collection calls. They leave voicemails daily and keep calling after the voicemails are left. I will pick up the phone and they hang up on me. This harassment continues until the bill gets paid irregardless of me speaking to them and making an arrangement.
Consumer complaint received 2019-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

In XX/XX/XXXX, I entered into the Public Service Loan Forgiveness Program and my servicing company was XXXX. XXXX  was very easy to work with always had the most accurate information. Information regarding the number of qualifying payments was available and up to date on their website. In XX/XX/XXXX, my loans were taken over and transferred by XXXX XXXX without my request, approval or knowledge. I found out this occurred the next time I contacted XXXX. Since I am nearing retirement age, I am always checking to see what the status is of my " qualifying months ''. Every year I submit a new Employment Verification form as advised by the Department of Education. I contacted XXXX XXXX to request this information and they have NEVER been able to tell me what the number of qualifying months is. The employees who are supposed to provide customer service are anything but. They have an attitude and skirt around every question or request for information I present to them. The ONLY place you can find the qualifying number of payments is on the statement. However, the number of qualifying months KEEPS CHANGING going up and down, mostly going down and my student loan balance keeps going up. They aslo tell me they can not verify any of the payments made to XXXX  yet my account was transferred to XXXX XXXX. On XX/XX/XXXX, I contacted them because the XX/XX/XXXX Statement shows only 12 qualifying payments, however, the XX/XX/XXXX statement shows 32 qualifying payments. I thought perhaps there was an error in adding the newly approved payments from the recently submitted Employment Certification Form to the already identified 32 qualifying payments. I was told that since I requested an audit on my account ALL the payments had to be re-verified. This process has been going on since XX/XX/XXXX and they could not tell me how long it would take. I asked to speak to a manager and was basically told that's they way they do things, would not provide me any policy stating the process, did not offer to expedite the process and said this could cause my qualifying payments to do down. Now how hard is it to qualify the payments each year and then add the new qualifying payments each year they receive an Employment Certification form. It is very disenchanting when the qualifying payments becomes a moving target. I am unable to plan for my retirement not knowing how many more years I have to work so my loan will be forgiven. In the meantime, my balance keeps going up and if my qualifying payments are one short, I will owe the entire amount irregardless of what I have been paying since XX/XX/XXXX.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

About five minutes ago, I called Experian to report previously-reported inaccurate information. After being on hold for 27 minutes, the representative answered. I conveyed that I wanted to dispute information reporting incorrectly and advised that I was on a recorded line, the representative stated that she did not consent to the recording. I, the consumer, in turn conveyed that I did not consent to being recorded. 

I told the representative to hold on ( so that I could stop the recording and continue the call un-recorded ) and the representative said, " thank you for calling Experian '' and hung up on me. 

I never did get to make my dispute for the inaccurate information. The report number I gave her was XXXX.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

The dates displayed in the open columns on the XXXX  & XXXX credit reports do not reflect the actual opening dates. Additionally, the 2 accounts listed under XXXX XXXX XXXX are listed as joint accounts when they are in fact individual accounts. The actual opening dates are much older than what is reflected on the reports. Despite disputing the dates previously with the credit bureaus, the only change has been newer opening dates. This is incorrect reporting. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately. 

Regarding Experian credit report, the data recorded is both vague and confusing. Accounts are listed as closed with no payments or further status updates, accounts are also listed as closed with unknown payment status, and missing dates & balances. The dates listed are incorrect and many are listed as more than seven years old. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately. 

Overall, all three bureaus are reporting accounts closed that are well over 7 years old,  with inaccurate balances or payment information missing. According to the Fair Credit Reporting Act of 1970, these items should be removed immediately.
Consumer complaint received 2018-12-19
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: DISCOVER BANK (MI)

XXXX has been non-compliant with removing the unverified account DISCOVER XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-06
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. (FL)

I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX XXXX 6.XXXX  XXXX XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX 13.XXXX XXXX XXXX 14.XXXX  I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Consumer complaint received 2022-03-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (CA)

I paid the settled debt in full but the company is giving me the run around on sending me a receipt that I can provide to the original debtor so I can have the vehicle title released. 

They send me to a " receipt hotline '' to leave a message and I have done so. From there they should email me or snail mail me the receipt but there seems to be a problem with the email address ( they keep misspelling it ) or I am unable to talk to someone that can give me any information at all. 

At this time the receipt is supposedly being re-sent because they made a mistake in the address. They are unable to tell me how long this will take and have no way to expedite the process. 

Date Settled XX/XX/XXXX Date Paid XX/XX/XXXX Amount Settled {$1200.00} Contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so far
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

On XX/XX/XXXX, I submitted a complaint to the CFPB about First Point Collection Resources, because this company is reporting a car insurance debt on my credit reports that does not belong to me. In FPCR 's response to my complaint, I was sent a document that claims to validate the amount owed, however, the document actually helps prove my case. My car insurance policy with XXXX XXXX was from XX/XX/XXXX- XX/XX/XXXX. Thus, my payments were do every month on XX/XX/XXXX. My last payment made on the account was on XX/XX/XXXX ( I paid the payment due on XX/XX/XXXX early ). Thus, I was covered from XX/XX/XXXX - XX/XX/XXXX. I cancelled my policy on XX/XX/XXXX via phone call and picked up a new policy on XX/XX/XXXX. This policy covered me from XX/XX/XXXX - XX/XX/XXXX. All things told, I cancelled my policy, prior to the end date of the coverage period of my last payment, and I also picked up new insurance policy that kicked in prior to the end date of the coverage period for my last payment. That being said, I do not owe XXXX XXXX a dime and I XXXX sure don't owe FPCR. I have attached the email confirmation from XXXX which shows when my new policy kicked in.
Consumer complaint received 2018-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX  4.XXXX  XXXX 5.XXXX XXXX   XXXX 6.XXXX  XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX  XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX   13.XXXX XXXX XXXX 14.XXXX I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NV)

Good Day! On XX/XX/2022 I received a call from several numbers stating to be a XXXX XXXX XXXX called " XXXX XXXX ''. They said they were in contact because someone bought " Wells Fargo Collection '' accounts and was looking to serve me in court for bank fraud. Sadly, I should have known better as I pay all my bills, but this debt was over 10 years ago and I did have a charge-off account with Wells Fargo in the past. However, I did pay this debt, but someone how this company claimed I owed {$800.00} but was willing to do a SIF ( Settlement ) of {$500.00} to avoid court fees and possibly being served, so I obliged. Thereafter, I had to key in online from a link in the email from XXXX to provide my authorization using my last 4 digits of social and then I received a receipt with debt showing paid. After, reviewing the email confirmation something didn't sit right so I did some digging. It appears this company I paid {$500.00} to is a scam and now I'm worried that I may become a victim of identity theft. The email was XXXX. Address : XXXX XXXX XXXX XXXX. XXXX XXXX, GA XXXX. Tel : XXXX, XXXX, XXXX, XXXX Business listed as XXXX XXXX XXXXXXXX XXXX. Beware as these people were able to verify my past address and my most recent address, and I have only been at my current address for less than a year. They knew account numbers and knew the right amount of information to provide to sound legit. They even knew the date and years of my charged-off accounts. Very scary. I have already frozen all of my credit reporting and accounts to avoid further damage, and hopefully addressing this early will avoid further scams.
Consumer complaint received 2018-11-06
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 have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices. 

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started