davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-04
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 (GA)

I was XXXX and mailed the credit card payment, the XXXX 2016 payment was received by Barclays in time but was n't processed in time making my account 30 days late. I have wrote the company numerous time with no result.
Consumer complaint received 2023-07-10
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. (AZ)

There are XXXX inquiries on my credit reports that I don't recognize. XXXX is recent, XX/XX/XXXX from XXXX XXXX XXXX. Another inquiry was, XXXX XXXX, from XXXX. I did not give authorization for these companies to receive my credit reports.
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

Hello my name is XXXX XXXX, on the XXXX of XXXX I did a transfer through moneygram app for {$25.00}, the transfer was taking too long so I decided to call moneygram to see what's going on. I called Moneygram and they admitted to holding up my transfer, I requested to know why. Moneygram asked me to provide the date of birth for a receiver I never met, not only that they also asked for my receiver 's grandparents name. This doesn't make any sense since i use Moneygram frequently. I told moneygram I don't have the answers to these questions. I asked for the transfer to be cancelled, Moneygram explicitly told me they won't Cancel or issue me a refund until I provide the information. This is a violation of the company 's refund policy. I'm demanding moneygram cancel the transfer with reference no ( XXXX ) and issue me a refund immediately!!! Thanks
Consumer complaint received 2023-07-10
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX SELF-REPORTED ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$73.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$20.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$1100.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$250.00} ; XXXX  SELF-REPORTED ( Original creditor : XXXX  ) XXXX Balance : {$40.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX  XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-09
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (TX)

I called the credit card company Total Visa in XXXX. It gave me a pay off amount of {$300.00}. I paid the amount to pay the card off in full. 
I did not receive a statement for XXXX. Then I get an Email saying it's over due & I owe almost {$100.00}. I call they tell me that I owed {$19.00} for the month of XXXX & it was due XX/XX/XXXX. But how can that be when I paid the pay off amount due in XXXX before the Cut off. And how dies {$19.00} turn into almost {$100.00} in a matter of days & I haven't gotten a bill?
Consumer complaint received 2017-09-01
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. (TX)

These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted XXXX, and TransUnion on several occasions more recently on XX/XX/XXXX and  demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XX/XX/XXXX, I will file a civil claims lawsuit against XXXX, and TransUnion Credit Reporting Agency.
Consumer complaint received 2017-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARKS TITLE COMPANY (MI)

To ; XXXX XXXX President, Parks Title Co. XXXX XXXX XXXX XXXX XXXX Attn : Claim Dept XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : COMPLAINT ( PLEASE FORWARD PROOF OF THE SALE TO CFPB ) I file a complaint with your company CFPB # XXXX and it were handled by XXXX XXXX she provided new details from the years XX/XX/XXXX-XX/XX/XXXX then I were told that you were not involved with the transaction at XXXX XXXX XXXX then she indicated you did so conduct the transaction on XXXX XXXX and his daughter XXXX XXXX fronting as his wife on covenant deed. You recently contacted me to file an complaint and informed me to file a complaint with your insurance company listed above and provided claim # MI XXXX, PARKS FILE # XXXX I mailed it out. You recently told me on the phone that no correct XXXX XXXX claim that you conducted the sale but that you done the title work, THATS IT. <P/>I informed you that XXXX XXXX add more fraud in XXXX with Step Forward Michigan a Government Agency and are under investigation complaint XXXX and that the case with XXXX XXXX were published XX/XX/XXXX on reference to a trust account from the risk management dept with the OCC # XXXX and provided you additional documetation, the bottom line XXXX XXXX scammed me out of the house you mail me a letter dated XX/XX/XXXX in the letter you state it was determined that nothing was done wrong in the foreclosure of his mortgage but, with XXXX XXXX there are no legal transaction on record. Please work with the CFPB let it be if XXXX XXXX to XXXX XXXX XXXX got a mortgage or any transaction that taken place that nothing was done wrong.
Consumer complaint received 2017-07-10
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 disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Bank Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX  Unverified, Inaccurate or Not Mine XXXX XXXX Bank Account XXXX Unverified, Inaccurate or Not Mine
Consumer complaint received 2017-07-08
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. (CA)

XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (WV)

I received a phone call about a missed payment in XXXX of XXXX from Kays Jewlerys/Comenity Bank . I spoke with the woman told her not only had I paid XX/XX/XXXX but the XXXX payment as well. She said they had not received it. I was directed to contact my banks bill pay to send proof of payment and send it to the secure message center. I promptly did so. After that I never heard from Kays again until the XXXX bill came with a late fee so I called to ask about it. They said again they never received anything. So, I spoke with a supervisor who asked me to send it again and mail the proof. On that same call I said in good faith I would pay the entire about that was left on the card with the exception of the fees for the missed payments and the sum of those payments. I paid {$140.00} which was the amount given to me by the supervisor. 

After that I received multiple letters that said they would not charge me or turn the payments into collections while my account was in dispute. 

It is currently XX/XX/XXXX and I have received eight of those same letters that also say my dispute will be resolved in 90days or less. I have been charged over {$800.00} in fees. No one has ever contacted me from the company. I have sent emails, called multiple times each month, sent over 20 secure messages, mailed five letters of proof to different kays entities, and even went to the local store three times to try to figure this out. The Manager of the local Kays has called on my behalf three times and has been met with the same rudeness and unwillingness to help. Constantly I am met with no help, unkindness, and absolutely no results. My bank has also tried to find results and is working to file an improper endorsement claim against them. As we have proof that the checks were received and cashed by comenity bank. 

Prior to this I had an XXXX credit score and 11 year credit history with XXXX missed payments. My credit is now XXXX because of this delinquency. I have done my due diligence to take care of this and no one will help me. I am happy to pay for something I bought but I shouldnt have to pay for it multiple times or for fees I didnt cause.
Consumer complaint received 2023-07-10
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: AMERICAN EXPRESS COMPANY (TX)

American Express is fraudulently reporting an account on my name that does not belong to me. When I previously contacted the company, I was advised that this credit was from my college that I was attending at the time, which I came to find out was not true! This company is reporting this account on my name with an incorrect address and contact information attached. I have never resided at this address. I also would like to see the contact information that this company has on this account, as well as the banking information that they claim to have received payments from. Nothing associated with this account belongs to me and I have also filed a police report with the XXXX Police Department regarding this as well! This account needs to be removed from my name and credit profile/reports immediately, as I am willing to acquire legal aid regarding this as well.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX with XXXX XX/XX/2023 XXXXXXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.
Consumer complaint received 2023-07-10
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-24
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)

I have disputed this account ( XXXX  XXXX ) ( dated XX/XX/2023, XX/XX/2023 and it has never been properly investigated. TransUnion had chance to investigate the validity and accuracy of this account but has failed to do so which has been detrimental to my livelihood. TransUnion has verified this disputed account ( XXXX XXXX ) as accurate on XX/XX/2023 but inaccuracies still remain. This is a violation of FCRA Section 623 ( a ) 1 ( A ) ( B ) ( i ) ( ii ) which is the Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I contacted vanilla prepaid debit card today XX/XX/2023 about them replacing my gift card with a balance of {$30.00} because once I opened the package I saw that the card was misssing numbers on the front and missing the cvv number on the back. They wanted me to provide a proof of purchase of the card when it was a gift given to me on celebration occasion. A receipt I obviously dont have or know who gave it to me. This company obviously know most of the people wont have access to that receipt as proof, thats the way to keep their scheme fraud going.
Consumer complaint received 2023-07-10
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. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$46000.00}
Consumer complaint received 2023-07-10
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-09
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX with XXXX XXXX has violated my rights. 

15 USC 168 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have on multiple occasions asked for a complete accounting on our loan, see previous complaints. We have hired 3 different companies in an effort to get a loan Mod and our mortgage company has never helped us. We were forced to file for bankruptcy to save our home, but the bankruptcy has put us in even further financial distress. We have made lump sum payments to our mortgage company of over {$100000.00} and our loan has only increased. When I look at our payment the money has been applied to " other '' and minimal amounts have actually been credited to principal, escrow or interest. Our interest rate changes are not calculated in a timely manner, and escrow charges do not make sense. I have not been able to get any assistance. Now, we face a sale on X/XX/17. XXXX, XXXX, XXXX is the Trustee, although we never received a new NOD and did not receive the notice of trustee sale in the mail. I also can not find any information on the site it stated I could find information. XXXX, XXXX, XXXX is listed as the lender on a different site where I did find information about our trustee sale. I am so confused by all of this, I do n't know where to turn.