davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (NE)

The niece put in for a card with Victoria 's Secret, asked me if I wanted to be included on it, I said yes. It was before XXXX of XXXX  I informed the niece that it would be her XXXX present. The bill came late in XXXX. We paid it and included was a note by us saying that the Victoria secret was late sending the bill. In XXXX the bill came without the payment that we sent previously being credited to the account. My niece called them and was put on hold for XXXX XXXX. after talking to someone at Victoria secret 's space command the niece informed me that we are going to have problems with these people. In the interim I had audited my checks to see which ones had been cashed by them and which ones were still not cleared. we came to the realization that they ( Victoria secret had been overpaid ). My niece again called them a few weeks later around XXXX and got someone from a different galaxy. My niece informed Victoria secret that we had not signed up for the headache, the insurance scam they were adding to the account and the late fees. The niece had retuned some of the items purchased and the credit was not being shown on the account. I called Victoria secret in XXXX, pointed out the discrepancies to them. I stated to my niece that the Victoria secret people are not from this planet. My niece apologized and said I'll use the XXXX XXXX next time if there is a next time at Victoria secret.XXXX
Consumer complaint received 2023-07-31
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

According to 15usc 1611 Experian TXXXX XXXX XXXX is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640.

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment.

Aslo, apologize.

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title 15 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau. 
Cc : Attorneys General Office. 
Cc : XXXX XXXX XXXX 
Cc : State Senate.

Cc : Federal Deposit Insurance Corporation. 
Cc : Comptroller of the Currency. 
Cc : Federal Reserve System. 
Cc : Credit and Insurance.

Cc : Federal Trade Commission.

Cc : State Regulatory Agency
Consumer complaint received 2023-07-31
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2021-04-13
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. (TX)

I have spoken with the Creditor and Equifax. Both companies are telling me the problem is with the other party and it is unresolvable. I have documents from the creditor stating that I have paid the debt on XX/XX/2020. XXXX and XXXX both report that the creditor has reached out and told them to delete the outstanding balance because the balance was paid in full. Equifax however, tells me that they spoke with XXXX and that XXXX told them the debt is outstanding. I do not believe XXXX and they are not helpful, and they have hung up on me at least 7 different times while discussing the account.
Consumer complaint received 2019-01-18
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: CITIBANK, N.A. (NY)

Citibank agreed that two charges to my credit card were fraudulent. One they credited to my account and the other one they have failed to credit to my account and despite agreeing that the charge is fraudulent they will not remove it and I am still liable for it. They replaced the initial card to avoid further fraudulent charges. I complained today and the initial complaint was made on XX/XX/19. The amount is {$88.00}.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (AZ)

XXXX XXXX XXXX XXXX Arizona XXXX XXXX west XXXX XXXX XXXX My visual is loan money with the option to invest in stock market part of that loan to pay off. 
This reform will fortify and assure trades in the market.
Consumer complaint received 2021-08-20
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: AES/PHEAA (CA)

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Consumer complaint received 2023-03-31
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 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 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, have 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 my account information without my written instructions.
Consumer complaint received 2022-04-28
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: DISCOVER BANK (TX)

FRCA Violation name XXXX XXXX  
FRCA Violation credit card
DISCOVER BANK
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FRCA Violation collection

XXXX XXXX XXXX  Reported: XXXX XXXX XXXX
XXXX  Needs Attention XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  Needs Attention
XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  Needs Attention
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

There is a Rash Curtis and Associates account on my credit report that should not be there. Between XXXX and XXXX I disputed this account with the credit bureaus and with Rash Curtis and Associates directly. It was just discovered after a phone call on XX/XX/XXXX that the company is reporting this on my credit report with NO proper validation. Both the supervisor and the manager admitted to having no itemization with my name on it. The supervisor also admitted that they have no documents with my signature on it. Even further, there is no documentation showing there was insurance coverage from me. Despite all this, the operations manager declined to delete this account because of " California community property laws ''. That is simply an excuse to continue reporting a debt that is not valid. So not only has this company falsely verified this account with the credit bureaus, they have done so while also admitting they have nothing stating that I am responsible for this debt. Rash Curtis and Associates is engaging in illegal collection practices and causing great damage to my credit in the process.
Consumer complaint received 2022-08-28
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: Exeter Finance, LLC. (NC)

In accordance with the fair credit reporting act Exeter Finance LLC account # XXXX, has violated my rights. 
15 USC 681 section 602 states I have a right to privacy.

15 USC 681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX my XXXX account was hacked where I stored my bank user id and pwd. A fraud transaction of XXXX $ was used to pay someone credit card from my account
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (PA)

A company called EOS collections has contacted me on numerous accounts about a debt I do not believe I owe. I have asked on four separate occasions for them to either provide validation of debt or cease and desist all contact. They continue to call me as recently as this Friday XXXX. But refuse to mail a debt validation to my address.
Consumer complaint received 2024-02-08
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. (MA)

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 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 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am distressed about the information that has been reported to credit profile. They have failed to maintain the reasonable procedures in company operations to assure. The maximum accuracy in the credit reports. Because of identity fraud.
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (ND)

CONSERVE XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX -added extra fees to my assumed " debt '' of XXXX which is against the ( fair debt collection practices act ) [ additional information ] -Tried to dispute debt several times with only receiving very bias results which started with the Dept of the  Treasury. 
-Did not receive reply 's on many occasions as I tried many times to communicate with them. 
- '' Debt '' was not communicated to me until it was going to collections. 
-Debt started with the XXXX XXXX 
I tried to discuss debt with treasury first but they had bad communication and false phone/fax/email numbers. 
-I have phone, emailed, faxed and mailed for communication methods.
Consumer complaint received 2019-01-18
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. (PA)

Both Experian and XXXX are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and XXXX also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called XXXX  to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my credit cards use XXXX for the FICO score with the statement : The score was based on XXXX data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... never late.
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AL)

A new collection account has appeared on my credit from Midwest Recovery Systems. The original credit listed is XXXX XXXX XXXX. I have never received any type of money or monetary benefit from XXXX XXXX XXXX, i don't know the original creditor, have never tried to obtain anything from the original creditor, never had any funds from them. I have recently been a victim of identity theft when my wallet was stolen about a year ago. I want these cowards to take this XXXX off of my credit report because its not mine.
Consumer complaint received 2019-01-18
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. (FL)

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Consumer complaint received 2019-11-13
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: Best Loan Service, LLC. (OK)

Loan opened XX/XX/2019 with Best Loan XXXX XXXX. XXXX XXXX XXXX Ok XXXX. First payment due onXX/XX/19k I made first payment on XX/XX/XXXX. The manager name XXXX XXXX and workers in office XXXX said one day after due date you are considered 30 days late. I explain this is not correct. reporting with XXXX. I advised and 30 days late means 30 days past due date. After 2 months Manger XXXX said she would correct they have had changes in who sends reports to credit bureau. I explained this error dropped my credit score 100 points. She apologized, but avoided correcting and my calls she works out of this office, the loan office agents weren't helpful either. I filled a credit bureau dispute and got that corrected in XXXX. I paid this loan off on XX/XX/2019. They report monthly at the last day of month. Error again they reported XX/XX/2019 I owed {$640.00}. When I went in to pay the manager on duty was very rude, states I had called there office bothering them daily for my own error of paying late. I was profession for 5 1/2 trying to get them to correct there error. They state there company was bought but refused to give me new company owner 's name or contract number. If you are reporting a credit bureau you are required follow procedure. They need to be reported. Please take action for mishandling of my credit reporting and delays. ^
Consumer complaint received 2019-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Both XXXX  and Transunion are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and Transunion also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called Transunion to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my  credit cards use Transunion for the FICO score with the statement : The score was based on Transunion data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX  is the only agency who shows my correct credit record ... never late.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

I refinanced my mortgage for the amount of {$120000.00} with XXXX   XXXX XXXX  on XX/XX/XXXX. Some time after that the mortgage went to a company called Greentree lending and after that was taken over by Ditech Financial, LLC. I made all of my payments to Ditech until the mortgage was paid in full on XX/XX/XXXX. I made NUMEROUS attempts to obtain a satisfaction of mortgage from Ditech but they repeatedly sent me the wrong one that was for the previous loan of {$80000.00} that I was refinancing onXX/XX/XXXX.  After months and months of frustration and never being able to talk to the same customer service person and because the house was being sold I passed the job on to my lawyer. My attorney was not able to get any results either so they hired a company that specializes in these issues..Again no cooperation from Ditech. In the interim my house was sold and the title company witheld {$5000.00} from my sale proceeds due to the missing satisfaction of mortgage. My attorney tells me that now the title company is attempting to resolve this but I have not seen any sign of hope that Ditech will cooperate. It's been 2-1/2 years since I paid off the mortgage and have had to deal with the effect on my credit as well as not receiving my {$5000.00}. PLEASE HELP!!!
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act 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 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Credit Bureuas failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the account XXXX XXXX