davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (WA)

In late early XXXX, I received an email from Comenity that my payment was late. Since I had only recently received the card ( which I did not apply for ) and had not made any purchases, I called and found out there was a charge for {$49.00} from a merchant I didn't know. I started the dispute process but was told I still needed to make a payment even though I was disputing the charge. I went online and made the minimum payment as instructed. I received an acknowledgment letter of my dispute on XX/XX/XXXX. I received another letter on XX/XX/XXXX stating that they had determined I was NOT responsible and would credit my account. Since that letter I've received no less than 5 calls from their collection department, they continue to charge me interest and late fees and I believe have reported delinquency on my credit report. In each phone call, I explained what was going on, was transferred to the fraud department, and was reassured that everything would be fixed. I also have a XXXX store credit card through Comenity and on XX/XX/XXXX received a notice that my credit limit had been reduced due to " a significant decrease in your credit score ''. Since every other credit account I have is either paid off or paid on time, I'm assuming they are reporting this account as delinquent. In addition to their collections calls, I called in and spoke with XXXX on XX/XX/XXXX and the fraud department again on XX/XX/XXXX about this not getting fixed. I need help to get this resolved and my credit restored. I would also like information on what other recourse I have since this has cost me time and damaged my ability to get a loan.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2020-07-31
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)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$22000.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The vehicle had numerous issues from the day I purchased it. I tried working with the dealership to replace the vehicle and they refused to help me. It continued with various noises that none of the mechanics could identify within the transmission. I new transmission was put into the vehicle because I had the extended warranty however, even after doing this the vehicle continued to have problems. The dealership wanted to put another transmission into the vehicle. They were not confident that even doing this, would fix the problem. I called the bank and explained the issues I was running into and told them to come and get the vehicle because I was not going to make another payment on a vehicle that spent more time in the service department continually trying to be fixed. This would end up costing me more than what I was going to spend on the vehicle. ( I have attached documentation and service records of the numerous repairs from XXXX XXXX XXXX and XXXX XXXX XXXX which is the last dealership that was working on the vehicle with the extended warranty. ) This account needs to report a {$0.00} balance. There is no outstanding balance due. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have  contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-18
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)

I contacted XXXX  a couple of times to complain about a report on my credit that was dismissed through bankruptcy, it was for a student loan that I had got 10 years ago and had been paying on it every since, never a late payment, when I filed my bankruptcy the student loan was included and all of my debt was dismissed through Chapter XXXX. I had a co-signer on the loan and the creditor tried to collect from my co-signer 3 Months later, when my co-signer called me and told me what was going on I immediatedly call XXXX XXXX and worked out an agreement to resume payments until it was paid in full, I also made up the payments that were missed during the bankruptcy proceeding and am now current. I spoke with XXXX  and Experian regarding the same issue and it has been resolved but for what ever their reason XXXX has not removed the 4 missed payments and my debt to then has been dismissed
Consumer complaint received 2019-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

First of all, its confusing to find out why do this account have to be reported twice on my credit report, same account same account number.. Second the account is always paid on time..You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

We currently have an IBR plan that determines our payments based on our income and family size. We are required to re-certify our payment plan each year, and have the option to resubmit our application for repayment if there are any changes in our income or family size. We decided to resubmit early, due to an increase in family size ( with no change to our income ). However, instead of our payment decreasing, it increased. ( from XXXX to XXXX ) I called in ( XX/XX/19 to employee XXXX ) to discuss this error, and was told that our account would be reviewed within 7-10 business days. We never heard back, but recieved another bill in the incorrect amount. I called again ( spoke to employee XXXX ) and was told the same runaround. No response, no change. Called again ( XX/XX/19 ) and was told it would be resubmitted and in the meantime they would send an adjusted bill in the original XXXX amount. Yet they never ACTUALLY changed the bill, and processed a direct debit in the XXXX amount. Called again on XX/XX/19, and they refused to address the problem and instead ran me around for over an hour on the phone before essentially saying " too bad '' it's correct.
Consumer complaint received 2019-06-20
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: Experian Information Solutions Inc. (LA)

The FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency XXXX CRA XXXX counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX DELAWARE INC/SJ500061INACCURATE ACCOUNT! REMOVE IMMEDIATELY! SECURITY FINANCE3INACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXNACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX FCU403216INACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATEL! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY! 1XXXXHIPPA VIOLATION REMOVE IMMEDIATELY!
Consumer complaint received 2019-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX XXXX/XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX  XXXX ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATEL! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY!
Consumer complaint received 2019-06-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

Dear Consumer Financial Protection Bureau, attached you will find my Proof of Claim, Conditional Acceptance for Value sent to Ocwen on XX/XX/2019 certified mail # XXXX. 

As of today, Ocwen has not responded to my Proof of Claim and Conditional Acceptance for Value under my private rights of action.

In addition, at question are instruments and assignments recorded at my property XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

attentively, XXXX XXXX
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (LA)

The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency XXXX CRA XXXX counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX  XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! SECURITY XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXNACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATEL! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY!
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Case Number:XXXX Merchant Name : XXXX XXXX XXXX XXXX Tx Dispute Amount : {$420.00} XX/XX/2018 I ordered this mattress foundation on XX/XX/2018 and cancelled on same day and received confirmation that the refund would be processed. Did not show up on my discover statement. I sent them a dispute and the merchant sent them a delivery but I never received it as I had cancelled it and signature presented was not mine. I never received any merchandise and I cancelled it. I am not sure who they delivered to or who partakes in this but it wasnt me. I have no merchandise. Please assist in getting the credit. Discover card refuses to assist and as far as I am concerned it is fraud I never partakes in any merchandise after cancellation. this is fraud and unacceptable. Thank you
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (MS)

University XXXX XXXX is alleging that I owe them a balance of {$1100.00}. ( which is showing up an unsecured loan on my credit report ). I do not owe this debt. After requesting a copy of my credit reports, the opening date is showing as XX/XX/XXXX. I did not attend the university orientation until XX/XX/XXXX. Late XXXX, I received a letter from the collection company ( Financial Business and Consumer Solutions . The letter was dated for XX/XX/XXXX requesting a payment in full. The letter stated, Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion, thereof, this office will assume the debt is valid. I sent a debt validation letter ( which is attached ) to the collection company on XX/XX/XXXX. I received a letter from University XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. University XXXX XXXX did not validate the debt but sent a transaction history and no document that bears a signature where I promise to pay. According to the National Student Loan Data System, the class was paid for in full of by student loan. University XXXX XXXX states that my withdrawal date was XX/XX/XXXX. University XXXX XXXX wrote off the debt on XX/XX/XXXX. Financial Business and Consumer Solution began contacting me on my phone starting in XXXX since then I have been getting random calls from different numbers. The calls are harassing and very annoying. I understand that a collection company can not contact after being told not to.
Consumer complaint received 2021-02-16
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: SYNCHRONY FINANCIAL (PA)

My personal information was compromised and fraudulent accounts were opened in my name without my consent. I notified the creditor than Im a victim of fraud and the creditor agreed to remove this account from my reports. After several disputes attempts, creditor still hasnt removed this erroneous account from my credit reports. 

SYNCB/XXXX  : {$2700.00} Date Opened : XX/XX/2017
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX XXXX XXXX XXXX NY Amount {$1000.00} Dispute # XXXX I ordered a XXXX from XXXX XXXX, never received except open package. They provided discover with signed fed but it was not validXXXX XXXX XXXX never filed claim since they had no insurance. Discover refused to assist since they said merchant provided fraudulent signature. XXXX XXXX refused to assist and discover refused to assist too.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For many years, I have a XXXX XXXX card which automatically gets paid by my Bank of America ( BoA ) bank acct. On XX/XX/2019, XXXX XXXX sent a bad credit to credit agency stating I didn't pay for a XX/XX/2019 bill. I called XXXX XXXX and provide fax copies of my BoA showing that it was automatically paid. Next, XXXX XXXX and Bank of America both stated that there was acct number discrepancy. I explained to them that I've been a customer for many years with both organization and did not change my card or other info. After many calls, email and fax, both XXXX XXXX and BoA appear to be both blaming each other but not helping me resolve this. 

Can you assist in this billing dispute by contacting the business and also help correct my credit report related to this matter.