davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX, opened line of credit with XXXX XXXX department store with XXXXXXXX XXXX managing the card. Listed wife, XXXX XXXX, as authorized user. XXXX transferred the account XX/XX/XXXX and transitioned the line of credit to another XXXX XXXXXXXX XXXX, also from XXXX XXXX 
Currently, both I and the authorized user are missing seven years and five months of credit reporting history ( XXXXXXXX XXXX XXXX  ), impacting our length of credit and therefore impacting the credit score. XXXX is reporting the length of credit history beginning with XXXX. 

Transunion requires a credit history of 25 years for an " excellent '' rating for age of oldest credit line. Without the missing nine years of XXXX credit history, my authorized user has an oldest account listed as 17 years. Adding the seven years of history with XXXX will allow my wife to demonstrate length of credit history of 26 years. This will have a positive impact on both our credit scores. 

A letter sent to XXXX in XXXX, XXXX, requesting a change to their reporting, has gone unanswered.
Consumer complaint received 2016-10-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FRESNO CREDIT BUREAU (CA)

I disputed on with XXXX credit bureaus in XX/XX/2016 as not mind. Collection agency at that time was Creditors Bureau USA/c/o Fresno Credit Bureau, now being reported on Credit reports as Fresno Credit Bureau,
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I contact Equifax about the several wrong information on my credit report. I contact them by phone to dispute the wrong information, I was ask for my social security number and I gave my number and the lady who I talk with at equifax told me that that wasn`t my social security number. and she told me that another number and I told her again that is not my number. and she made me upset by trying to make someone esle social security number be mys. I think I should know my social security number and we had some words, and I ask her to put someone esle on the phone that I can talk to. who have some sense because something was wrong with her. I talk to someone esle and I was told to fax a copy of my social security number and a copy of my ID. I fax my information to them and was told to call them back the following week. when I call back I was told that they have up dated my information on the person credit who is not me. Equifax have given creditors of that lady reports my address and phone number .one of the lady creditor call me and I told that person that is not my credit and he ask me was the last XXXX digit of her social security number was mys and I told him that we might have the same name. and that our middle name is different, our birthday is different I never lived where she lived. and that we are not the same person and I let him know if he call me again that I will sued him and that was that. but still her information is still on my credit, also I was mail the Lady statement with her name, social security number, her last mailing address and her last job and her pay amount and other information. concernuing her. I have contact Equifax several timeand I have went on their website and disputed the wrong information and gave them proof who I am and yet they refused to proved that, that is my credit. they have made my life a living hell and my life is on hold and this mess has taken my nerves on the deep end I am on medication for my nerves.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Several unauthorized charges were made on my Visa account with the Bank of America in XXXX. I noticed three of them when reviewing my statement. Also I was notified by email from B of A of a questionable charge in XXXX which the bank had declined. I phoned the bank at the XXXX number on the card, still in my possession, not lost or stolen. The B of A person at my request closed down the account. A new card with a new number will be issued and the account will be reactivated in about six business days, I was told. The total known loss at this time is about {$130.00}. B of A is giving me a temporary credit of {$130.00} while they do their processing. I believe my account has been active for over ten years. I do not know how the account was compromised. I have never given the card to any other person to use. I have only one recurrent charge on the account, a subscription with a business named XXXX 's XXXX for aviation publications which are reissued periodically. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX CA police department at the request of the B of A representative describing these events. 
Submitted TO CFPB on May 212, 2021 by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2017-03-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (CA)

CPS consumer portfolio services & XXXX has and continues to contact me in regards to a time-Barred Debt, and now plans to suit to collect the balance on this time -barred debt. 
This company CPS false statements indicating that I have contacted them and that I have agreed to make payments is not true. This is false and is the wrong practice all with the purpose of re-start the clock and or re-open the time barred debt from XX/XX/XXXX on XX/XX/XXXX. 
I 'm was not able and I 'm not able to pay this debt due to financial hardship, and health issues with immediate family members. I did file for bankruptcy on XX/XX/XXXX due to loss of income.
Consumer complaint received 2015-05-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (CA)

I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off
Consumer complaint received 2017-07-20
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 Collection Bureau, Inc. (FL)

In XXXX 2015 I contacted XXXX XXXXXXXX, requested the balance on my account and the balance required to pay for my phone equipment in full. I was told that I needed to pay {$860.00}, and I paid the same. I immediately switched my phone plan from post paid to prepaid. I made the decision to pay for my phone equipment in full and switch to a prepaid plan because I wanted more control and predictability of my phone bill. I was not allowed to switch to prepaid unless I paid off the phone and my account was current. I am still on the pre-paid plan. Sometime after settling my post paid account, I was contacted By XXXX about balance due, and I explained that I had already settled the account. Nonetheless, the debt was posted on my credit report. The debt has now been sold or assigned to United Collections Bureau , Inc. ( UCB ), and they are seeking to collect behalf XXXX. I would like to United Collections Bureau , Inc. to stop contacting me and have XXXX XXXXXXXX, its assignor, remove the inaccurate from credit report. The balance XXXX XXXXXXXX seeks to collect is {$440.00}. I elected to be on the paperless plan and did not receive paper account statement at time the account as paid in full. The prepaid plan that I am on currently does not provide any type of monthly statement, neither electronic or paper. Therefore, when I log into my account, I have no access to my online statements for now or any time in the past. I have requested a payment history in the past on more one occasion and was told by XXXX XXXX that it would be sent. However, I have never received one. Lastly, I made a XXXX upgrade offered at the time. XXXX and UCB should verify that my account has been properly credited for my XXXX upgrade whereby credit from the old equipment is transferred to the new equipment. I am attaching a credit card statement to prove I made the payment described above to XXXX XXXX. I am also attaching an email sent to me by XXXX that a XXXX credit of {$400.00} would be made to my account. I am not sure if said credit is the root of the discrepancy, but the dollar amount is very close to the balance reported.
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants' Credit Guide Company (IL)

DEBT IS FOR A CHARGE THAT WAS GENERATED BY XXXX XXXX OF XXXX HOSPITAL. I HAVE TALKED WITH THE HOSPITAL 'S BILLING OFFICE SEVERAL TIMES ABOUT THIS CHARGE AND INSTRUCTED THAT UNDER NO CIRCUMSTANCE WILL I PAY FOR SOMETHING THAT WAS REPORTED TO XXXX FOR SOMETHING I NEVER RECEIVED. I TOLD THE HOSPITAL THAT THEY ARE GUILTY OF XXXX FRAUD. I WILL NEVER PAY FOR SOMETHING THAT I DID NOT RECEIVE. I REPORTED THE HOSPITAL TO XXXX FOR THEIR FRAUDULENT BILLING PRACTICES.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MN)

We purchased a new Sleep Number bed in XXXX 2013. The financing terms were 0 % interest for 3 years and the credit was issued through GE Capital Retail Bank. Having not received a bill by XX/XX/XXXX the following Spring, we called GECRB to see where things were. We were then informed our payment was not only due but the previous month was not paid and account was now delinquent. We immediately paid the bill and requested a bill actually be sent to us so auto-payments could be setup. The ensuing month 's bill ( XX/XX/XXXX ) arrived after the due date and again more late fees were applied. We called on this again and set the auto-payment to the billed amount. Later, we discovered GECRB also charged interest on the wrongly applied late fees and by that XX/XX/XXXX we paid an extra {$150.00} in more wrongly late fees. Auto-payments continued, however the interest on the wrongly applied late fees continued to build again with more errant late fees over the next 16 months resulting in GECRB ( now renamed Synchrony Bank ) demanding {$750.00} in late fees. Only this time, Synchrony Bank wrongly reported the account delinquent with the Credit Bureaus thus dropping the credit scoring. Despite evidence of all payments made and on time. We attempted to work with Synchrony Bank and submitted bank generated reports showing all payments with corresponding dates proving no late payments, however they have refused to remove the incorrect information to the Credit Bureaus or refund the over {$1000.00} in wrongly applied late fees & interest. Instead, Synchrony Bank responded by increasing the minimum payment due. We have disputed this with the Credit Bureaus only to find they consider themselves powerless when a Creditor chooses to send incorrect data to them. Synchrony Bank continues to refuse to make changes to the Credit Bureaus for this XXXX account. The Credit Bureaus have recognized a perfect credit history ( 20+ years ) and this one account is " out of character '' due to the only one ever in negative status. When an explanation is provided, it matches with the " expected '' behavior of someone with perfect credit. Yet, Synchrony Bank is unwilling to make changes to their incorrect reporting, despite the report evidence.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Consumers Inc (MD)

United consumer inc never send me a letter or never contacted me.I dont remember had contact this debt. I just found the collection in my credit score. I try to call them but they just want me to pay something that I dont know. dont understand and dont know what they are talking about. This debt is totaly strange to me. Is look like this a scam. Just send them a letter to send me collection letter with all necessary document relate to this do calm debt.. Still waiting them. to react..
Consumer complaint received 2015-11-06
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (NJ)

Navient Reference Number XXXX - Called from XXXX claiming to be formerly XXXX XXXX - Re Debtor XXXX XXXX. Navient claims I am a reference. XXXX XXXX also did previously and I asked to be removed. I have no contact with XXXX XXXX and I did not co-sign or provide a reference on any loan. I spoke to XXXX XXXX of Navient of XXXX XXXX, PA. Asked to be removed as a reference. He agreed to do so but refused to provide written confirmation. Written confirmation should be provided since my name remained on the file after XXXX XXXX allegedly removed it. Personally, I do n't even know if XXXX XXXX provided this information or there obtained my contact info in another way which may violate Federal Debt Collection laws.
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

National credit systems contacted me via phone and informed me of the debt emailed me a list of charges that I then informed them could not belong to me as I lived in another state at the time of these charges. And when the XXXX took over The highland bluffs I had a rejected application and I moved to XXXX XXXX for a job offer. Upon investigation I found police reports stating the tenants were served an eviction which me and my partner had no knowledge of being in another state and I was recovering from giving birth so even if I had know about the supposed court date I would not have been able to make it. There were service requests being made in that apartment under my name which I only just found upon trying to dispute this. It seems as if when the new company had bought out the old that they had a new tenant put in an application and begin living in the apartment under my lease as I have never signed a lease with XXXX XXXX XXXX Which would also make sense for the use of utilities while I was in a completely different state. As well as when I forwarded my mail to my current address I had started receiving the new tenants mail further proving another person living in this apartment under my name. Then recently a duplicate collection from the Apartment was added from another collector-XXXX, as well as I recently received a third collection this time via mail ( the only written one I have received ) which I disputed directly with them upon arrival of the letter. Yet the apartment just keeps selling this fraudulent collection. 

I have included charges from XXXX as well as court report which shows various prices and dates as well as my application rejection for these apartments, services requests made and XXXX XXXX court records showing me in XXXX XXXX and not XXXX.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (DE)

On or around XXXX of XXXX i received a missed call from a XXXX  number. Being a former XXXX resident I called back and the person on the other line mentioned that she was a debt collector. After verifying my information she said she was trying to collect a debt, I informed her that i am unaware of this debt so please send me documents which can validate the debt. I gave her my new address in XXXX and she said she will mail me the documents. 

As of today XX/XX/2019, I did not receive any Debt validation from this company. Today i received an alert from my credit monitoring service of a collection reported by this agency. When I called them the first representative, XXXX refused to give me any information and after putting me on hold disconnected my call. The second representative Miss XXXX, said that we don't have any validation document but i will have to pay them to delete the information of my credit report. 

After questioning her and mentioning that they have violated the FDCPA by not providing me any validation and negatively reporting on my credit. They have not given me a chance to dispute or resolve this matter and have impacted my credit. She transferred me to a supervisor by the name of Miss XXXX XXXX. 

Miss XXXX was not willing to cooperate and was adamant for me to pay the debt which I am unaware of. She threatened me that her company will continue the collection activity if i don't pay her. She mentioned that regardless even if this debt is not mine, they have not violated the FDCPA. This agency is using predatory practice by not providing any debt validation documents for me to verify the debt. I am unaware of this debt and they comply with my original request of providing the debt validation.
Consumer complaint received 2022-09-07
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}
Consumer complaint received 2021-11-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2019-02-28
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: Experian Information Solutions Inc. (CA)

WRONG CHARGE-OFF DATE on XXXX XXXX account # XXXX i ask them to do a verification on this account and they send me a letter saying its been verify and updated, and i request a method of verification to provide me with original documentation with balances and the date that became a charge off with proof, they have fail to provide me with any documentation, so if it can not be verify it has do be DELETED
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX and XX/XX/XXXX, I sent Penfed Credit Union a letter regarding two unauthorized inquiries that they placed on my credit file AFTER is was closed. 

XX/XX/XXXX -- PENFED closed the account due to delinquencies XX/XX/XXXX, and XX/XX/XXXX PENFED inserted inquiries onto my credit file. 

On XX/XX/XXXX and XX/XX/XXXX I received a letter from Penfed stating that they had already investigated my dispute and that they were not going to delete the inquiries because they had permissible business reasons. 

PENFED DID NOT HAVE ANY PERMISSABLE PURPOSE. 

I would like to know why they didn't do an ACCOUNT REVIEW ( soft Pull ) and why they put 2 inquiries on my credit file after it was closed.
Consumer complaint received 2019-02-28
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. (MS)

i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX   account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (TX)

I received a notice from this collection agency stating they validated and will continue collection efforts. I need some help as they are violating my rights. First I do not owe them anything all equipment was returned and second this is over 10 years old and they should NOT be reporting it on my credit file. I thought there is a 7 year statute of limitations. Please help
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts is fraud and should be deleted Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX
Consumer complaint received 2015-08-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (MD)

I have a private student loaned serviced by the American Education Services ( AES ). Although this company has my most current contact information, they have been calling my references and discussing my student loan information with them. Specifically, they have harassed my father and disclosed information about my loan, even though he is not a signer on my loan.