davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Hello, I am writing this because of an unethical collection agency, Diversified Consultants. XXXX imputed a collection account on my report due to a stolen cellular phone. I filed a claim directly with the insurance company, XXXX, for replacement of the phone ; but the claim was denied, ( However, we agreed to a payment plan until the account was settled ). Unbeknownst to me, XXXX closed the account and demanded full payment. While reviewing my credit report with XXXX XXXX, I found out XXXX had referred my account to a collection agency, XXXX  XXXX XXXX XXXX for a debt of {$1300.00}, reporting date of XX/XX/XXXX. I immediately launched a dispute, with the agency and it was taken off my credit report. 

On XX/XX/XXXX, while checking my annual credit report with XXXX, XXXX, and XXXX, I saw that a different collection agency, Diversified Consultants XXXX  took over this account, but with a different reporting date. This is false reporting by this collection agency. They re-aged this account, after acquiring it from another collection agency, ( in an attempt to hold on to the account longer ; than the statute of limitations for the state of Florida allows, my legal residence ). This is an illegal activity, which has caused my credit score to decrease and my rights violated! This collection agency has not contacted me or attempted to contact me. This negative posting on my credit report has caused financial hardship on me. I want this debt taken off my credit immediately, or I will seek legal action. This action has denied me from obtaining credit, purchasing a house, and denied jobs due to this illegal credit reporting. 

I have attached documentation to prove my claim.
Consumer complaint received 2019-01-14
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: SYNCHRONY FINANCIAL (TX)

XXXX Master Card - {$1000.00} They closed the credit card completely was current on payments.

XXXX Card - {$250.00} They closed the credit card completely was current on payments. XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments. Lowe 's - $ -XXXX- They closed the credit card completely was current on payments.

Wal-Mart - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open. XXXX XXXX - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.
Consumer complaint received 2022-07-27
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. (FL)

On XX/XX/22 my Comenity XXXX  MasterCard was fraudulently charged {$67.00} for a XXXX purchase I did not make ( this was a a XXXX breach as several of my cards on file with them were charged with erroneous orders ). I was contacted via text to verify if the charge was mine, to which I responded it was not. I was contacted by their fraud department and told it would be investigated and a new card issued. To date, I have not received a credit for the charge, nor have I received a replacement card. I have tried to log into the site multiple times and it has been down ( to the point they are waiving late payment fees ). After multiple attempts to call them to resolve this, I have currently been on hold with their fraud department for over 1 hour, with no end in sight. This is not okay. I am very concerned about the safety of my personal information and the inability to make contact with the company.
Consumer complaint received 2019-09-10
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: Bread Financial Holdings, Inc. (TN)

I receive a copy of my XXXX credit report and its how an Inquire on my report that I did not authorize form comenity bank on XXXX/2017. I do not do business with this company and did not authorize my credit be access by this bank.
Consumer complaint received 2022-07-27
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 3.Account Name : XXXX XXXX Account Number : ending in XXXX 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 4.Account Name : XXXX  XXXX Account Number : ending in XXXX XXXX5 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 instruction 5.Account Name : XXXX Account Number : XXXX 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
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

On XX/XX/XXXX Wakefield and Associates put a collection account on my credit report acct # XXXX. I have received no prior notice or information from them regarding this account would be reported negatively.. I was on a payment plan of {$50.00} a month for a medical bill from XXXX XXXX, which I was paying, They have no right to put a negative item on my credit report.
Consumer complaint received 2021-07-15
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. (VA)

This XXXX XXXX placed accounts under my name at different times with different balances without my consent. They also reported them to my credit reports. We spoke with their employees namely XXXX XXXX - introduced as a sales consultant, & manager XXXX XXXX who both claimed not to work on commission. They enticed us saying we're making good financial investment, that it has some tax benefits similar to owning a 2nd home. They promised that rental income would be possible. They also told us that we can make money from the timeshare if we decide to sell it later on especially because the resale value would also go up. They promised us not having to pay maintenance fees again. We were absolutely profiled, they asked us if we have credit cards, married, employed etc. Then they make it sound like they're giving a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. They promised us money, free vacations anywhere we want on top of the regular purchase which we weren't able to use because we never really received or got any of them as promised. We were also pressured by telling us that it's our last chance at the lowest price. They had us opened a credit card but we never signed any application, never received any copies of application, we were never informed of card or any other fees involved. Everything was rushed, they didn't even allowed us to read & fully understand the contract, we were also under the influence of alcohol. They have our IDs, we also felt threatened when they told us we have no choice but to do this. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. We could not get any answers after multiple attempts of trying to cancel, they just wouldn't let us cancel. We struggled with financial difficulties caused by this timeshare, plus the Covid issues that we made them aware of & that we just couldn't afford this. We're experiencing stress, high tensions because of multiple issues caused by this timeshare, we even loose sleep over the stress brought by this. Worst parts of my experience with this was not being told the truth about what was being purchased, telling us they are consultants, lies about maintenance fees. Overall, we felt manipulated, taken advantage of, lied to & defrauded throughout the entire thing. They'd even go as far as telling us that we had no choice but to purchase this.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (SC)

I've been trying to dispute matters with the student loans Nelnet, SC State and XXXX inaccurately reporting late payments. This been going on since XXXX 2021. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the 90,120 day late 's and its hurting my credit really bad. I had XXXX this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from Nelnet, SC State and XXXX because this is inaccurate information.
Consumer complaint received 2019-04-25
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. (GA)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-11-06
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. (OH)

I have attempted to dispute a bankruptcy on my credit report for over a year. I have had zero luck with Equifax, in fact they keep telling my that it was verified by XXXX XXXX, yet I have a letter from XXXX XXXX stating they removed it due to not being able to verify the account. I have wrote Equifax via certified mail on the following dates : XX/XX/XXXX XX/XX/XXXX ( As well as many others that I can get dates for ) and have had zero luck. 

I have also attached all of their replies to my letters stating they supposedly verified it with XXXX XXXX. If this is not fixed, I am having my attorney file in court immediately as the paperwork is already started.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (NY)

Nationwide Recovery Systems did not properly disclose their identity. They did not properly disclose Consumer Rights, not properly disclosing to family members of their consumer rights, leaving a message on a shared voicemail for a family member.

NRS did not provide my details in writing of the debt. NRS has not contacted or sent notice to my address. They did not disclose their identity properly as well.

I have the voicemail NRS left for a family member.
Consumer complaint received 2019-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXXXX/XX/XXXXDear Attorney General,I am writing this letter to implore your assistance in resolving the inaccurate reporting of the accounts below on my credit report:Account Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXI have disputed each of these accounts, with the Experian credit bureau, on several occasions, for several DIFFERENT inaccuracies, only to have received a ’canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” each time. On XX/XX/XXXX I sent a request to Experian for ‘’a description of the procedure sed to determine the accuracy and completeness of the information’’, as per my consumer rights, and as per the FCRA Section 611 (a)(6)(B)(iii). I did NOT receive any response from Experian.On XX/XX/XXXX I sent a 2nd letter to Experian to requesting a description of their reinvestigation procedures used to determine the accuracy and completeness of the information, as per my consumer rights, and per the Fair Credit Reporting Act Section 611 (a)(7). The FRCA allows the consumer reporting agencies 15 days to respond to my request. The 15-day period has ended over 2 weeks ago, and I did not receive a description of the methods used to verify these accounts. Instead, I have received another ‘canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” I am asking for your help to correct my credit report, by deleting these accounts. My husband and I are trying to financially prepare for home ownership by Spring XX/XX/XXXX. This is hindering us in our goal for financial independence and home ownership.I have enclosed a copy of the certified mail receipt to confirm Experian received my letter, copies of my letters to Experian, and copy of their response to my requestsThank you for your assistance.XXXX XXXX
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (CO)

Just got a letter from:Webcollex LLC DBA CKS Financialoriginal creditor: XXXX XXXX XXXX Brand:  XXXX XXXX XXXXsaying I owe $XXXX, but This was part of identity theft that happened in XX/XX/2014 and I filed a police report and FTC report, but these people keep going after me.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I opened the account in XX/XX/21. I called before opening the account to ensure any fine print. They told me that I have to purchase the entire {$1000.00} in one transaction which is not clear from their attached promotion image from their web page at https : //www.homedepot.comXXXX. I made a single transaction purchase but they ended up giving me only {$25.00} which is the amount if I did not cross {$1000.00}. They told me that I ordered on two different dates - looks like their standard message. I told them I have the Home Depot order where I ordered 2 items with a total > 1000. 

On my first call, they said they will correct and I have to wait. My payment date was in XXXX and I was curious why they delayed by an additional month. 
Second call after 2 weeks in XX/XX/XXXX - they started saying they didn't have records that I ordered in one transaction. Then after an hour long call they check my original order and confirm that I ordered as per the promotion and should get {$100.00}. 
I called again today. This time, they have no idea and recall no prior contact. This time, she says I am not getting {$100.00} instead they will give 18 month no interest promotion. This is not there in any promotion in the website. They have a 6 month free interest and a {$100.00} promotion. 

My conclusion is either Home Depot or CITI bank is not acting ethically and must be brought to the public. The support person even closed my account.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2022-07-27
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 3.Account Name : XXXX XXXX Account Number : ending in XXXX XXXX5 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 4.Account Name : XXXX XXXXXXXX Account Number : ending in XXXX 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 instruction 5.Account Name : XXXX Account Number : XXXX 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
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (DE)

I have a deletion letter from the Collections agency, however, the derogatory remark was NOT removed from my credit report. I am recently divorced and am attempting to refinance my ( and my children 's ) primary residence, I can not complete the process until this is removed. XXXX has not complied with my request.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (NV)

The four request letters that has been sent to the following company has resulted in no success. All letters have been notarized and sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded this company to send me documents showing that the accounts on my credit report belongs to me. Credit Protection Association is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. Also I have sent these letters in disputes to XXXX XXXX, beginning XX/XX/XXXX with the last letter being sent on XX/XX/XXXX. XXXX XXXX has sent me dispute result saying the account had been verified. However, I still have not been provided with a copy of any original documentations or a consumer contract with my signature on it.
Consumer complaint received 2022-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

On XX/XX/2022 I filed a complaint number XXXX. The lender responded by stating they did not know what file I was referring to. I then responded with the information and Flagstar closed the complaint and did not answer the concerns raised. I then called Flagstar and asked about the concerns raised in the complaint. I was told that I needed to send in a Qualified Written Request and I needed to file another complaint. I was told they were unable ( or unwilling ) to send me any information regarding FHA recovery mod denial. I asked if Flagstar 's underwriting department or FHA denied the recovery mod. I was told it was a mutual decision. I am now requesting all documentation showing that the loan was sent to FHA for a recovery modification and FHA denial. Flagstar has now sent this loan to a foreclosure attorney. This is now incurring legal fees without any proof that all post COVID options were exhausted. We are asking for these documents. Also, in case Flagstar would like to say that they do not know what loan this is in reference to the loan number is XXXX. We are asking Flagstar to answer these questions. Also, we are again requesting information about the previous complaint.