davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

Over 8 years ago Out of Statute Currently live in XXXX XXXX, CA but debt originated debt originated in GA ( haven't lived there for over 8 years ) GA Statute of Limitations - 6 Years Paid in Full Returned Equipment - To physical office in person, upon moving Collection Agency is gaming the system to use a recent account open date and therefore the credit record is completely inaccurate XXXX  - Also filing complaint with XXXX  Credit Score - This haphazard, illegal & non-compliant collection tactic has dropped my score by XXXX points in one day and I will take further action if this record is not completed deleted off of all credit bureaus quickly
Consumer complaint received 2019-02-11
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. (WA)

I attempted to file a dispute with XXXX and Equifax about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. XXXX and Equifax has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as XXXX and Equifax does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website freeannualcreditreport and XXXX and Equifax has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with XXXX and Equifax. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

XXXX XXXX XXXX intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

XXXX, XXXX, XXXX, and LEXISNEXIS have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. XXXX, XXXX, and XXXX all state that they have received and verified information from LexisNexis who lied and stated it gets its information the Bankruptcy Court. The Bankruptcy Court is not a creditor and does not furnish any information to credit bureaus they buy data from LexisNexis a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for LexisNexis to furnish any date on my behalf which is required per FCRA.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

COMENITY BANK AND XXXX XXXX have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES. 

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears. 

Any help in this matter will be appreciated.
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX GRANT & WEBER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GRANT & WEBER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing XXXX XXXX for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate XXXX XXXX XXXX process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (TX)

The payment system and deceptive billing practices used by XXXX  seem to intentionally cause customers to default, or have late payments.

For example, if a person makes a payment on the due date. XXXX  will not process the payment until a few days later and post the payment on the day they processed the payment ( not the day it was made ). Therefore, the customer incurs a late fee for a late payment.

A second scenario, a customer makes a payment 3 days prior to the due date. XXXX  still processes the payment after the due date and post the payment to their customers account after the due date. The customer still incurs a late payment fee, because XXXX  did not process the payment until after the due date, although the payment was made before the due date.

The payment system used does not seem stable and has had issues processing payments. Also, causing customers to keep trying to make a payment online and sometimes will cause the customer to be late. Or force the customer to submit a payment in an alternative method ( mail ) which will also cause the customer to incur late fees and a late payment.

XXXX also reports an account as " Closed '' to the three Credit Agencies, even though the account is truly not closed by XXXX or the customer.
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Tesla, Inc. (IL)

I ordered a XXXXXXXX Tesla XXXXXXXX XXXX on XX/XX/XXXX. I paid a {$250.00} deposit. I was leasing a XXXX XXXX XXXX, purchased on XX/XX/XXXX. My goal was to trade in the XXXX for the Tesla, which I received approval to do so from XXXX. I received a Trade-In Offer for my XXXX from Tesla for {$29000.00} on XX/XX/XXXX, good for 30 days and no more than XXXX addition miles being added to the vehicle. I had XXXX miles on the vehicle as of XX/XX/XXXX. On XX/XX/XXXX I received an email from Tesla saying that my VIN was available. I received another email on XX/XX/XXXX to schedule my Tesla delivery appointment, to which I scheduled for XX/XX/XXXX. I received a new Trade-In Offer from Tesla on XX/XX/XXXX for {$30000.00}. My payoff quote from XXXX was {$26000.00}, giving me a net trade-in value of {$4200.00}. I took delivery of my new vehicle on XX/XX/XXXX, signing all applicable documents to include the Motor Vehicle Purchase agreement, Delvery Declaration and registration documents. I opted to apply the {$4200.00} towards the loan which is being financed by XXXX. I noticed approximately 2 weeks after I took ownership of the Tesla, my XXXX account was still showing that I had an account balance an a payment would be due. I called and spoke with representative who told me Tesla had not sent them complete payment and still owed nearly {$10000.00}. I asked how much was quoted to Tesla to buy out my vehicle. However the rep refused to disclose this information to me saying he could not tell me that information. He assured me that I would not be responsible for the payment and suggested I speak with Tesla to expedite payment. I immediately called Tesla, where I was told that XXXX gave Tesla a quote of {$26000.00} to buy out my vehicle 's lease. This rep assured me that they sent a total payment. The next day, my account balance was resolved with XXXX. Today, XX/XX/XXXX, I received an email from Tesla 's finance department stating that I had an outstanding shortage amount on my trade-in account for my XXXX XXXX. I was requested to make an immediate payment of {$9900.00} or failure to pay would delay registration and send the account to collections. I have included all applicable documents.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (IL)

I received a denial letter on XXXX XXXX, 2019, from XXXX XXXX for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have XXXX XXXX is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I attempted to file a dispute with Transunion and XXXX about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. Transunion and XXXX has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as Transunion and XXXX  does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website XXXX and transunion and XXXX has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with Transunion and XXXX. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

XXXX XXXX XXXX intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (WA)

In XXXX of XXXX, we closed our ThirdFederal HELOC account XXXX having it paid off with a new HELOC  company. On XXXX we got docs mailed about the lien release. Access to the closed account was removed from our online portal. On XX/XX/XXXX, ThirdFederal drafted {$600.00} from our linked bank account. We had that amount set up as an autodraft previously. On XX/XX/XXXX I called ThirdFederal and said that I wanted the {$600.00} reimbursed. I spoke with XXXX. She told me that the funds were returned that same day. After checking my bank accounts, I let her know that it did not come back to me electronically into the same account it was taken from. I subsequently asked my bank if they saw an attempted return of the money taken and they said no and said to ask for the tracking number on the payment from ThirdFederal. XXXX was unable to assist further. We contacted ThirdFederal through the banking portal ( bc we still have our primary mortgage with them ) and asked for the ACH re-payment tracking number. XXXX XXXX instead stated in response to our inquiry, " When this happens, we hold the funds for 8 business days and mail a check to the address we have on file. I do see a check in the amount of {$600.00} was mailed on XX/XX/XXXX. The check number is XXXX and we do ask that you wait 7-10 business days to receive it. '' We waited until XX/XX/XXXX to receive the check and since we didn't get it yet called ThirdFederal again today and said so. XXXX took the call but was wholly ill-equipped to deal with this problem and had to keep placing me on hold so he could coordinate with the people who really could " help. '' XXXX came back on the phone at one point and said the money went to an account ending in XXXX as though that meant something to us. We confirmed we had no bank account ending in that account number - I even checked our new HELOC #. He also at one point said he was told no check was sent out. I asked XXXX about his supervisor 's name and he didn't give it to me and redirected the question. He said that he will call us back tomorrow after more research is done by this other department. They made it impossible for us to cancel the $ XXXX payment closing us out of the HELOC portal, took the money unauthorized, tell us they are sending it back but don't, and then give us frustrating run arounds and don't let us talk to anyone capable of giving us the {$600.00} back.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

XXXX XXXX is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX
Consumer complaint received 2023-05-06
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)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumers credit plan as late for any purpose.
Consumer complaint received 2019-02-11
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. (NY)

I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, The XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX   and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not XXXX XXXX XXXX, XXXX , SC XXXXXXXX,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX,XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX XXXX and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

XXXX XXXX is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX