davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (OH)

XX/XX/XXXX XXXX called me after I told them to put me on the dnc list and when I answered and they hung up XX/XX/XXXX XXXX called me again but I didnt get to answer XX/XX/XXXX XXXX called me but I didnt get to answer XX/XX/XXXX XXXX they called me they answered I asked to speak to a supervisor and the representative hung up on me so at XXXX tried to call back and they hung up on me again and at XXXX tried again same thing happened then at XXXX the same thing tried and no one answered then at. XXXX again finally called and got a supervisor and this is when I told her to put me on the dnc list
Consumer complaint received 2018-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (IL)

CREDIT PROTECTION XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX I have contacted both Credit Protection and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with Credit Protection. Further more Credit Protection is not License or bonded in the State of Illinois to do business a Collection Agency. PLEASE SEE ATTACHMENTS. 

The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$240.00} with XXXX and {$140.00} XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of  the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2018-10-27
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. (HI)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

My Western Union account was compromised on XX/XX/2019 for {$820.00}. The company is refusing to refund my {$820.00} when I did not authorize this charge. They are refusing to go after the individual who picked up the money who I do not know. I believe one of western union employees went into my account and used it to send money overseas. I know they were reported to the FTC due to scam and fraud issues last year and yet they continue to allow these things to occur.
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MA)

I closed my credit card account and paid my final payment. XXXX . I forgot to stamp my check in the mail and paid online. I called the company to inform them so that by the smallest chance they did receive my unstamped check to not cash it. They said they will make sure. Then they did cash it, I called the day of and freaked out because its $ XXXX. So they told me itll be 30 days before they can refund my money? So I told them I have other bills then they said I can go to my bank and get a bank statement and itll take up to 5 days. Its been 9 days and I called this morning and now it could be another 3-5 days. I just dont know what to do at this point. Thinking about calling my lawyer because I cant afford to pay my other bills. The company is mybjsperks mastercard
Consumer complaint received 2019-05-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc (OR)

I filed for chapter XXXX bankruptcy in XX/XX/XXXX and all debt was discharged as of XX/XX/XXXX. Ad Astra Recovery Services had listed my account as being in active collections on XX/XX/XXXX despite knowing that the debt had been discharged. I disputed it and they removed it from my account on XX/XX/XXXX. Once the claim was closed they immediately re-listed it on my credit report again on XX/XX/XXXX as being in active collections. I have notified my attorney of the fraudulent activity in preparation to pursue legal action.
Consumer complaint received 2017-06-26
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: Applied Business Services, Inc. (NC)

Whom It May Concern : I hope this email reaches you in good health and spirits. <P/>Back on Friday, XXXX XXXX XXXX, I received a FICO monitoring alert via XXXX XXXXXXXX monitoring subscription that a collection account had been reported to 2 of my credit reports. After investigating this unknown account further and gathering documentation and details, I was able to submit this information to XXXX XXXX XXXX County ( the original creditor ) who apologized for this mishap and withdrew the account from Security Collection Agency ( SCA ) .Once the account was withdrawn, I reached out directly to SCA to ensure this information was deleted from my credit reports. XXXX XXXX was deleted w/o issue ; however, XXXX to date, still has not removed this account. I disputed this account 3 times ( XXXX, XXXX, & XXXX ) with XXXX in which they came back stating that the information reporting is accurate. Again, I reached out to SCA who indicated that they received the dispute from XXXX ( electronically ) and replied instructing them to delete the account each time. However, XXXX continues to report the investigation results of the information reporting is verified and accurate. So it appears that SCA is blaming XXXX and XXXX is blaming SCA. So I submitted another dispute to XXXX, this time including the documentation stating that the account was withdrawn. I even sent the email correspondence between myself and the Deputy Director of Administration which clearly states that they have instructed that this be removed. For whatever reason, XXXX continues to report this account as being valid. I have attached all of the same documentation that I submitted to XXXX. <P/>I feel that XXXX is again, engaging in illegal and unethical practices. As a financially responsible consumer with a spotless credit history, this is mistake is costing me. I am set to apply for a mortgage in the next few weeks, and this is detrimental to this process and will cause extreme delay. I have done everything right, and yet, I am the only one being impacted. No matter how many times I talk to XXXX, they send me to inviduals in another country that reads from scripts. I asked them if they even read the documentation, they stated they dont have access to look at that information. I then asked to be transferred to a US based rep whom also told me the same thing. They also stated that they had not received any delete requests which I find odd in that I had no issues with XXXX. The US based representative indicated that I need to talk to their business office and provided me with the number. However, when I called, they stated they do not talk to consumers or handle consumer personal credit files. I am truly at a lost here and am not sure what I need to do. As a result, I am reaching out to your organization for assistance.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have sent multiple attempts via XXXX to Experian and XXXX to have XXXX accounts investigated on my account. 

The credit bureaus Experian and XXXX did not properly investigate the discrepancies, and nothing changed my profile. 

Account Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX Thank you, XXXX
Consumer complaint received 2022-02-17
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. (CA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-10-27
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: AES/PHEAA (GA)

I'm just worried about the credibility and clarity of the present examination and also the missed payments pertaining to this particular account and how it is reporting on my credit report. Just about 45 days ago I applied for an assessment for the reason that I felt the item is not being submitted lately. To my shock I was given a document documenting that your evaluation was accomplished and that the item had been " affirmed as correct.
Consumer complaint received 2018-05-10
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: Onity Group Inc. (FL)

I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from XXXX due to a the 7 year period from last delinquency. Ocwen Loan servicing decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both Ocwen and XXXX. XXXX  states they can not accept my Support because Ocwens reporting is overding. Ocwen has provided letters attached that they say should be submitted to XXXX. XXXX says Ocwen still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XXXX Address : XXXX XXXX XXXX XXXX, XXXX FL XXXX Please remove it
Consumer complaint received 2022-03-12
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 
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 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Currently all three credit agencies Experian, XXXX, and XXXX have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my report.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I traded in a vehicle in XX/XX/XXXX. That vehicle was paid off by the dealership in XX/XX/XXXX as Experian Evan states on the telephone yet there is a report of a negative payment in XXXX which of course is impossible seeing as how the account was paid in full in XXXX they refuse to remove the negative payment history in XX/XX/XXXX even though they know the account was paid off in XX/XX/XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account was properly investigated but how is that possible if XXXX XXXX who reports the information shows it was UNVERIFIABLE and deleted it? This is grounds for removal they also violated my rights under 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 an account without my written instructions. 

Also the Credit Bureau took more than 30 days to complete my investigation. 
I have attached a letter from XXXX XXXX as well.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AK)

XXXX  XXXX Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

Previously disputed and information is still posted incorrectly.I am calling XXXX XXXX at number provided and sofar been told they are not reporting this.
Consumer complaint received 2018-10-27
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. (AZ)

XX/XX/18 XXXX XXXX placed a Hard Credit Inquiry for a  XXXX. This inquiry was not made by me. XXXX could not say how the inquiry was made online, in person or by mail. They did tell me they closed the account, which didnt make sense because according to the letter they sent me an account was not granted. They agreed to remove the inquiry but it remains on my credit report.
Consumer complaint received 2022-07-11
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: Avant Holding Company, Inc. (DE)

I had a hard inquiry pulled on my credit report from XXXX/AVANT LLC . I contacted both XXXX XXXX and Avant and neither could find an account in my name. I have not applied for anything from either place and would like the inquiry removed.
Consumer complaint received 2022-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: C/C Financial (MI)

I'm not swayed that XXXX, XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX XXXX are reporting inaccurate information on Preferred Lease with account number XXXX.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I'm not swayed that XXXX, XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Bureaus are reporting inaccurate information on Capital One with account number XXXX.
Consumer complaint received 2019-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXXXXXX partial account number ****XXXX-XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-07-25
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. (AZ)

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I was offered a gift card of {$120.00} with approval for XXXX XXXX XXXX American Express credit card. I got an email with approval but have not received my {$120.00} gift card. Have tried speaking to both XXXX customer service and American Express customer service. They are giving me a run around. Have been on the phone for an hour today and a few minutes yesterday.