davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (UT)

The company claimed I owe Bonneville Billing and Collections Inc for medical services rendered to my wife which I have no knowledge of any such services. They claim that since I am married to her the debt is joint but in fact the state of utah is not a common property state and I signed no document that I will pay for the said services. The debt is not joint but they filed falsely claiming I owe them and am responsible for it. My wage is currently being garnished unlawfully by them armed with the knowledge that I was never treated by them nor did i sign any documents that i will take responsibility for the debt. they are frauds and they think I don't know the law. I am also filing a complaint with AG 's office in Utah. they need to cease their illegal activities.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (KY)

About 14 years ago, I deposited {$600.00} for a secured credit card with US Bank. I have been using this card ever since until XX/XX/XXXX when I called the bank and informed them I wanted the account closed and my deposit refunded. To my surprise the bank informed me that my card wasn't secured anymore and was operating as a normal credit card. US Bank claimed to have refunded me the money back in XX/XX/XXXX. I am adamant that no refunds were ever received from US Bank. I then requested documentary evidence or a paper trail that clearly shows a check from US Bank or funds were deposited in my account. 

The bank is unable to provide any evidence citing an obscure law that allowed them to destroy banking records after 7 years. They request that I take them at their word and they got no reason to lie to me. I find this very insulting. Its a brazen attack on my intelligence! I called the bank again today XX/XX/XXXX to no avail and spoke with XXXX in Underwriting. 

I also left a message for a manager called XXXX and she called me back stating her agreement with what previous employees had advised me. They stated my only other hope is to write a letter to their US Bank President or send fax. The President cant be reached by email or phone. Their goal is to make it harder for consumers like me to get their issues addressed
Consumer complaint received 2019-03-13
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)

I have contacted Transunion and XXXX by phone two months in a row to discuss the fact that my credit report has not changed at least since XX/XX/2018. I was told that it automatically change when my creditors report to the bureaus. I was told by Transunion that they'll look into it but there has been no change. I've been dealing with this same issue for months. Although the same things are on my credit report and somethings has dropped off and others has decreased in balance, nothing, absolutely nothing has changed from XXXX or Transunion. If you look at my overall debt transunion has me at least {$86.00} more than either credit reporting agency, and this does affect my score. I've disputed some company called XXXX XXXX and XXXX XXXX credit which I've never heard of and Transunion and XXXX refuse to give the papers of validation. They told me that it was valid and I still have yet to receive any documentation of it.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have discovered an unauthorized account on my consumer report, prompting me to file a report with the Federal Trade Commission ( FTC ) .My grievance is directed towards XXXX, XXXX XXXX Transunion for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me and I seek resolution.
Consumer complaint received 2019-03-12
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)

Hi my name is XXXX XXXX I did submitted a complaint on my credit report no issue were solved, I am hoping so CFPB may do solve this issue. My mortgage company were reported to credit bureaus for late payment which I did paid at the time when they have been reported to credit bureaus. After I could not proof my innocence with all valid documentations, wich I have all payments, transactions, cleared checks they have cleared, even after I submitted all this legal documents the company still refused to clear their FALSE report. After all this XXXX XXXX game I decided to sell my house to keep me away from this company. After I sold house I call to XXXX, XXXX and Experian credit bureaus. Both XXXX  and XXXX 100 % were cleared my credit which i am very thankful to them, only EXPERIAN DOESNT WANT TO REMOVE THE REPORT. Please contact them otherwise I dont know where to refer. Its been 1 year of nightmare with this issue. Thank you
Consumer complaint received 2019-03-12
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. (OH)

I need my personal information update correctly. My name is XXXX XXXX XXXX XXXX please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : ( 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 they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK #  XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have made over 36 on time payments for this fifth third card, I got a notifications from Fifth Third that the payment system was down to pay my XXXX bill. I submitted the payment the following day and have proof that I submitted it on time before the cutoff, however, I am now noticing a late paymet on my credit report. I would like to formally dispute this error and have this late payment removed. Thank you.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I need my personal information update correctly. My name is XXXX  XXXX XXXX XXXX please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : ( 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 they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : XXXX XXXX XXXX OHIO DOCKET # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan was sold by XXXX XXXX XXXX XXXX  to Specialized Loan Servicing ( SPL  ) in XXXX. My first payment due to SPL was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted SPL to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

reference is made to CFPB complaints XXXX, XXXX and XXXX where I have sought a copy of XXXX XXXX XXXX full disclosure report, and where XXXX XXXX XXXX, in this latest round of month 's long series of failures on their part, have still failed to send a copy of XXXX XXXX XXXX 's report.
Consumer complaint received 2019-03-12
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: Diversified Consultants, Inc. (CA)

I am reporting 2 incidents of identity theft that appear to be related.

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX XXXX. Diversified Consultants, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX  ( an XXXX company ) on XX/XX/XXXX that the balance of {$970.00} has been reported by Diversified as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ).
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I've sent a letter to Experian disputing and requesting the removal of debt XXXX XXXX. Experian reported the account as verified. On XX/XX/2020 I sent another letter to Experian disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. Experian could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. 

I have also sent letters out to XXXX XXXX  requesting validation of the account claiming that I owe any obligation to them. Not only have XXXX XXXX ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to XXXX XXXX on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, XXXX XXXX failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean XXXX XXXX agrees with me that this debt is false. I will use the Estoppel in my defense. 

I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. 

Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to Experian prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.
Consumer complaint received 2020-02-04
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have an account with XXXX XXXX XXXX on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/XXXX XXXX
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion did not perform a reasonable investigation. I've disputed my XXXX Consumer account ( # XXXX ) with Transunion multiple times over the Terms being incorrect and asking for deletion. The last two dispute, I even sent the actual contract. The contract says 72 months but XXXX  changed it from 77 to 74. How does this happen? How can you investigate with possession of the actual contract yet you let this creditor get away with posting the wrong info. This has gone on for months. 

Also, I've disputed XXXX XXXX due to incorrect payment status. The loan was paid in consolidation. it says it's closed and 120 days late. How can this be. I asked for deletion of this account but the inaccurate info is still there. 

Trellis company. Multiple disputes on XXXX  ( proof attached ) and Terms of the ordinal creditors loan. How did they verify this information. XXXX  is XXXX of XXXX. How did you verify my terms to be " XXXX  ''? who did you speak with? How much was the monthly payments in which i defaulted on? 

Bank of Missouri : information was verified as correct, but they did not list a human who verified this or show what documents back up the XXXX. 

Finally, XXXX XXXX, disputed the account was overaged yet they verified the DOFD to be accurate. I'm confused as to how that can be. 

I DO NOT believe Transunion conducted a reasonable investigation on any of these accounts,
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I submitted a consolidation application for my Direct loans so that I would get payment counts increased from payments made from XXXX under the PSLF waiver. I nearly backed out of my consolidation as a result of the letter I received on XX/XX/XXXX saying that I would lose credit for the nearly 70 payments I already had ( without the additional 4 years of payments that will be added with the waiver ) toward PSLF. I still went through with the consolidation but my payment counts have still not been updated. ( FedLoan is the loan company. ) My previously approved employer still hasn't been updated either but I believe that is through the FSA but FedLoan will not review my PSLF application without the employer being approved ( even though my employer has been approved for the last 3 years. ) Ironically, they have the auxiliary department ( non-profit arm of the hospital ) approved in the help tool but not the actual hospital which is city-owned. Once these payments are counted, I will be very near forgiveness if not completely forgiven. I submitted ECF forms in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none have been processed.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I received a letter by mail under my name but wrong spelled from Convergent Outsourcing Inc where it says I old money to XXXX XXXX XXXX XXXX ( a company I have never heard of ) also, the letter said that if I pay within 3 days I will only have to pay 60 % of the debt. I believe this a scam.However, I called them and asked them to know more information about it, and notified them the name was wrong spelled, they asked for my name but I didnt wanted to give them my information as I dont know if this is legit or a scam, so they refused to give information about the case.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My loan was sold by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX ) in XXXX. My first payment due to XXXX was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.
Consumer complaint received 2019-10-17
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. (NY)

I am filing this complaint because XXXX, Experian and XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.