davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CURO Intermediate Holdings (AZ)

Theres a company that conrinues to call my work telling my boss details about me going to court..the last time i was contacted by them i did believe i seriously owed this debt because they kept calling my number threatming to call mt boss if i dident pay..i told them if i owe why do you have to call my boss just send me paperwork and they said we have to let them know who they hired someone who doesnt pay so out of embarrassement i gave them my debit bamk information and they took XXXX from me and XXXX after that i had to borrow the XXXX cus i dident have it right away..well in XX/XX/XXXX i was calling them to change the date of the XX/XX/XXXX payment because of XX/XX/XXXX and for 4 days straight all throughout the days i called.they never answered..so i called my bank to ask if they knew if this company that was withdrawning payments was ligit. If they were really collection company..they asked me for the number and so when they called it they never answered them either and they opened up a investigation that it was fraud..i then looked up the company 's name that was on my bank statement like when they took the money and there were so many complaints of people that they were withdrawing money from those people almost like my incidents. My bank told me to go immediately to the branch to close my account and that they would issue me a new account because it was fraud..so i did. Well during the time when the payment was to post from them out of my acct. My bank was already closed and they called me once that week but never left a message and the week after as well again no message. Well we are now in XX/XX/XXXX week and they called my work They told my boss that he needed to take the call seriously because i owed a debt and i was going to court. My boss told the person calling that this was a business and that any correspondence needs to be sent to human resources in XXXX and not to him or to the business.if i really owe this debt should n't they send me something in writing what debt i owe and the actual name of the collection dept with their phone number? Do they have the right to call my boss to give details of a dept i owe..i want the details in writing and my bank told me no to give my debit card to a collection unless i have something in front of me in writing..please help me I need them to stop calling my boss.
Consumer complaint received 2020-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

I called Nelnet, to discuss my options related to Covid-19 deferrals. When I spoke to the representative, he told me that my loan was not held by the Federal Government so I did not qualify for the federal student loan deferral program. He then explained that Nelnet had a separate program for private borrowers. The program terms were the following : 1 ) three month pause in payments 2 ) no change in " borrower incentives '' on interest rates 3 ) interest would accrue at the same rate, including the borrower incentives, even though no payments were being made.

4 ) Payments resume XX/XX/XXXX at the same rate as before. 

I agreed to the deferment on the terms as I have outlined them above. 

Today, I received notice that my borrower incentives were removed from my account. When I called the lender to discuss this, I was told that I could either withdraw from the deferral program or pay the higher interest rate. I explained that the employee promised me several times that my interest rate and borrower incentives would not change, and that I would not have agreed to the program if the rates increased. Nelnet refused to change my interest rate or add my incentives back onto the account unless I agreed to exit the forbearance program. 

Given that we are in the midst of a global pandemic, my family has faced several additional costs. I have already allocated the money that was to be paid to Nelnet to other sources. All I am asking Nelnet to do is to stick to their original promise. To do otherwise is deceptive, dishonest, and should be illegal.
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (NC)

Comenity bank calls our number and asks if we are XXXX XXXX, who had this phone number before we had it. We have pressed the number to say we are not her but they still keep calling 3 times a day.
Consumer complaint received 2017-12-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of this year, I had reached out to Capital One for pre-approval for a mortgage. I was received a pre- approval letter stating that I was approved for a conventional loan for up to XXXX with XXXX down. I found a home and put in an offer and went into contract. This is where the issues began. Upon completing my application the loan officer ran my credit and my score came in at XXXX. Prior to my pre-approval my score was XXXX. I asked my loan officer why my score was different as they are the only ones who have touched my credit. I was never able to obtain an answer regarding this from the loan officer and her boss. I was advised that I would only qualify for an FHA loan regardless of what I put down. I was advised that I could not put down a lesser amount even though FHA guidelines state that I can put down XXXX. There was an appraisal issue with the home which me and the seller resolved. I changed my down payment amount the XXXX. So during the underwriting process I was given many different figures and then was advised that I need to put down XXXX and pay off my vehicle at closing and I can close on XXXX. Then I was told the next day that I will have pay off my vehicle with my bank. I talked to my loan officer who couldnt give me answers so I contacted their manager. He promised that I could close on XXXX and pay my vehicle at closing. The next day I given a document that didnt have the right numbers and was asked to acknowledge and sign. I refused and my loan officer advised that they will look into it. Then I was advised to put XXXX down and then XXXX down and pay off my car again. I took my concern to the loan officer 's boss and he advised that they are fixing the problem and they could not give me numbers until XXXX even though I am supposed to close on XXXX.They refuse to provide me any accurate documentation and gave constant misinformation numbers and approvaI. I ended up ending the contract to purchase the home and discontinuing the loan process. 

I had previously filed a complaint with the BBB and Capital One refused to take responsibility and provided false information in response to my complaint. 
The reason I am writing to your organization is that I was a victim of predatory lending. I am also writing to report their deceptive business practices. 

Attachments : I have attached two different email chains : Closing Disclosure : This is conversation with the loan officer about the closing disclosure that they ( capital one ) asked me to sign with the wrong amounts. 
Agreed Closing Amounts : This document had the down payment amount and closing date that I had agreed on with Capital One before they changed it two days prior to the closing date. 
I have also included their response to my BBB complaint that did not provide factual information. My rebuttal to this complaint is attached as well.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have tried many times times to correct these issues with Transunion and XXXX many times, i have sent them letters on XX/XX/2021 to dispute this inaccurate information that they are reporting on my credit report and i have not heard from them concerning this matter.I will send this information to my attorney if not responded.i have attached copies of the letter below
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (NJ)

CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA This is my dispute. 

There are 2 accounts listed in my report, and across all CRA 's.

1. There is no Tradeline on my credit report, and from XXXX where an account number, or a balance matches what is being reported by The Bureaus 2. I do not believe these accounts are mine. 
3. Then, as a Debt Collector ( DC ), Account Numbers/Original Creditors information must be maintained ( Metro2 - K1 Segment ) and it is not 4. The Date if First Delinquency listed, is not/ can not be true/accurate and for both accounts is listed - and is against FCRA rules - and then is disputed The valid XXXX  XXXX ( as the original credit grantor ) tradelines, have a DOFD that is not close to what you have, and date you list is inaccurate and against FCRA Then, the Bureaus is reporting data on my report that is wholly inaccurate, incomplete and against FCRA Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : The Bureaus, a Debt Collector, is knowingly sending data to CRA 's , as if they are a Credit Grantor and with data attributes that Metro2 specifies should not be sent when not a credit grantor.

Metro2 File Standards ( industry norm for acceptiXXXX data at the CRA XXXX is followed, XXXX XXXX are required to send data in their file to a CRA - Header ( Who is reporting, including ID or the data furnisher ) Trailer ( File counts of records sent/activity ) Base Segment - Consumer detail, tradeline info where limited attributes are expected to be sent ( values are not defaulted ) to a CRA XXXX Segment ( Original Creditor/Creditor Classification Code or Client Name/Client Type - Account Number ) ******Many fields are not expected to be sent - see attachment of Metro2 DC do not send, and The Bureaus is sending them.

The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. 

No contract exists with a debt collector. 
The Original Creditor - should not, and is not expected to be in a historical info ( free form text field ) This tradeline - collection account, fails to even show up in the COLLECTION SECTION of raw data reports directly from the CRA - because, it is mimicking the data/file details of an XXXX  account. 


This account presents itself as if they are a lender. As if we have a contract, payments due every month, and i have been in a pay and balance history of collections Both accounts are inaccurate, please resolve them - or delete. 

This also serves as a DO NOT CONTACT request, and federal mandates.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

An account was opened and closed the same day with Barclays Bank XXXX. But an order for an XXXX computer went through the next day. The company sent the bill to the wrong address, the unlisted/unregistered house address instead of the XXXX. XXXX given. They started calling my work so much that the secretary said stop calling. She later notified me and I checked my credit report. It was on there as a negative late. I called and they argued asking if I purchased the computer. When I demanded they remove the late for or I would not pay, they said no problem. I asked for a letter payment date because of my job, the XXXX and they said okay. The next month the late fee was still there. I called. They said they changed it but I had to file a complaint with the credit reporting agencys and they would remove it. It was just a ploy to get me to admit to having purchased the product. I filed but then my mortgage broker said remove the dispute. So I did to find another late on the credit report. I called them and again they said they had removed it and the fees. They did remove the fees to my account but Only one late mark on my credit report! One late mark remains even though they credited my account and said they would fix it all. I have spoke with several representatives, the last was XXXX, who all but one stated they had been and would remove the late marks, it just takes time for the credit bearues to update the information. Yet, they still have not been removed. I recently resubmitted as XXXX stayed to do so that it would be sure to come off and be updated. 
Yet, the results were verified and updated, which is not removed. They also lowered my XXXX account with them due to the credit score changed by them. It is the only late mark on my 25+ years in the system! Honestly, the worst company I have ever dealt with in my life. They are crooks that will weasel every dollar!
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JH Portfolio Debt Equities, LLC (LA)

The company contacted me on XX/XX/XXXX with a VM telling me that I have been summons to court and legal action will be taken with a number and case number to call. I did not recognize any information that he was giving so I proceeded to call and got on the call with a representative that told me that I would be served at one of the addressed listed if I do not pay a certain amount I repeatedly inform the rep that I did not know of a XXXX XXXX, and or another name they called. The rep went on to say that they are XXXX company that is representing them I asked why I have not been served and how can I get a summons on acct information that I did not sign or authorize use. The rep kept insisting that I make monthly payments and or full settlement offers. I decided to move forward with my complaint because I felt that I was being threaten to make a payment ore I would have to go to court, I do have the conversation recorded on my phone and the voicemail that was left.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

We purchased a car from XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. We paid cash for the vehicle and made it clear to the dealership at all times that it was our intention to pay cash. The dealership refused to take cash without getting a credit score. I provided them with my drivers license and SSN so that they could verify my credit score. Instead they ran a hard inquiry for a loan. This inquiry will remain on my credit report for two years. I spoke with XXXX in Sales at XXXX XXXX who said it was company policy to run the credit inquiry as a loan request even if no loan were needed. 

I asked him to correct the info to reflect that we did not request a loan. He refused. 

I called back and asked to speak to someone in the finance dept. I was told that there was no one else who could address my concern. 

While the dealership is certainly within its rights to protect itself, it is deceptive to put info into the system that we applied for a loan and to have it remain in the system for two years when that information is false. 

I would like the dealership to correct the misinformation that it put on my credit report.
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I opened an account with XXXX XXXXk via XXXX XXXX in XXXX XXXX, I contacted the lender in XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called XXXX in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX account number starting with XXXX is reporting on my credit report and this is not my account. I have tried to speak with the credit bureau but they will not show me proof that the account is mine.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

I started the process on XX/XX/20. My credit it was good. the appraisal came in where it needed to be. They asked for more documents. I gave it to them. Now they are asking for the same documents again. After doing an internet search, Newrez has a history of stringing people along.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.