davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
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: Experian Information Solutions Inc. (IL)

I'm still having problems with incorrect or missing information in my Experian Credit report. On XX/XX/2018 a seven year fraud alert was placed on in my credit report, and I have never requested a seven year alert to be placed on my credit report. I have a lock already on my credit report. 
Also my home address was deleted, and I did not make a request to delete my current home address My name is a XXXX XXXX   and that was removed without my consent as well. My identity has already been compromised due to lack of verification by the crediting reporting agency 's. Also fraudulently bank mortgage are still in my credit report as well. With no information by the bank confirming that it is really my account being that my name is so common and my information is either inaccurate or missing altogether still.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me. 
Creditor : XXXX Account : XXXX Reason : FRAUD {$1700.00} But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by over 30 points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 

Please delete this previously deleted account within 10 days of this letter or I will file complaints with the FTC, XXXX, and attorneys general in my state and your state. I will be also talking with a consumer rights attorney regarding this matter. 

Not only that you have XXXX is steady reporting inaccurate information into my credit file. I have never done business with XXXX or any company they represent. I am a victim of identity theft and the accounts XXXX hold are a direct result of this. XXXX has refused to verify these accounts with me so how are they verifying them with you?
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to resolve this issue with TransUnion and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is XXXX opened XX/XX/XXXX amount XXXX the company or Transunion who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.
Consumer complaint received 2018-11-15
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 have disputed this account with all three credit bureaus, and none of them have sent me the documents that they received on the collection company owning this account or any documents so I'm able to verify the account is mine. When I call over the phone they say it's verify. The company is XXXX XXXX XXXX XXXX in the amount of XXXX opened XX/XX/2016 and it's in collection. According to section 609 in FCRA they have to show me some type of documents showing the account is mine or Delete account.
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

Today my wife, my place of employment and a couple family members were called and left messages threatening to sue me over an alleged unpaid debt. This debt was paid and proof of payment was provided. This is now at least the 6th different creditor who has tried to collect the same debt that was sold off by US Bank.
Consumer complaint received 2021-03-30
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)

There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX  CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}
Consumer complaint received 2023-06-19
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. (FL)

Credit bureaus keep putting info on y credit and its past the 30 day period of debt on my credit. I sent proof That i lived in Florida. I submitted several report to credit bureau. I need this removed its hurting my degree. pleaseSubject : Request for Removal of Debt from Credit Report I am writing to bring to your attention a matter concerning an outstanding debt listed on my credit report, which I believe requires immediate resolution in accordance with consumer protection laws. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection legislation, it is my understanding that debt collectors are required to provide proof of a debt within a reasonable period upon request. If a debt collector fails to provide this proof within the designated timeframe, it may result in the obligation to remove the debt from my credit report. 

As per my records and the information available to me, the debt in question has been on my credit report for a period exceeding 30 days. Despite multiple attempts to obtain proper validation of this debt, no satisfactory evidence has been provided to support its accuracy and legitimacy. 

I hereby formally request that you promptly provide me with complete and comprehensive documentation validating the existence and validity of this debt. This documentation should include details such as the original creditor 's name, the account number, the amount owed, and any other pertinent information necessary to verify the legitimacy of the debt. 

Please be advised that failure to provide the requested proof within [ a reasonable period, e.g., 30 days ] will result in the expectation that you remove this debt from my credit report as per the provisions of applicable consumer protection laws. I also reserve the right to pursue any legal remedies available to me should you fail to comply with this request. 

I kindly request that all future communication regarding this matter be in writing to ensure accurate documentation and a clear record of our interactions. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution in compliance with the applicable laws and regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc. (IN)

I had been paying on XXXX Hospital bill ( account # XXXX ) in the amount of {$1300.00} for Date of Service XX/XX/XXXX, religiously, every single month to XXXX XXXX XXXX ( XXXX ) in XXXX, Indiana. Then one day, my husband went in to pay the bill, and he was told by a XXXX representative that " nothing else was owed on the bill. '' The money ( {$50.00} ) was immediately given back to my husband, and we heard nothing else regarding this bill until XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from CBCS Collection Agency ( phone XXXX ) regarding this bill. However, I NEVER once received any documentation whatsoever from CBCS regarding this account, even though I asked several times for written confirmation that this debt was owed, or what the new amount was. Around XX/XX/XXXX, I started receiving calls from XXXX XXXX XXXX, stating that I owed the exact same amount on the exact same account to their law firm on behalf of the same hospital. Once again, I NEVER once received any documentation whatsoever from XXXX XXXX XXXX regarding this account. *According to the Fair Debt Collection Practices Act, I should have received some sort of documentation within 5 days from both of these collection agencies, but I DID NOT! Now, I am getting multiple calls from both agencies at the same time! Therefore, I vehemently DISPUTE THE VALIDITY OF THIS DEBT!! and I intend to stand up for my rights. Two companies can not legally pursue the same debt at the same time.
Consumer complaint received 2018-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Send in a Dispute for written contract and they said it was verified but it was deleted on XXXX that makes no sense to me and I told them and there playing games
Consumer complaint received 2018-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (CA)

I have no knowledge of this account and i have two of the same account twice on my credit report for the same thing and same amount. Im being credited twice and i do not understand why when I've made several attempts to resolve this issue with reaching out to the creditor and trying to fix it with my XXXX it is still on my XXXX account.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

I received an Escrow Shortage letter from XXXX XXXX XXXX XXXX dated XX/XX/23. On said letter it indicates that my escrow account will be short due to increase in property taxes ( {$120.00} ) and increase to property insurance ( {$370.00} ) with the verbiage " Changes in the above items mean that the amount needed in your escrow account increased by {$490.00} per year. I understand this figure ( {$490.00} ), yet my payment is increasing by *** $ XXXX. The letter states that the minimum allowable escrow amount on my account is {$950.00} to avoid an escrow shortage the lowest yearly amount in my escrow account was on XX/XX/23 which was {$300.00}, {$950.00} - $ XXXX {$650.00} which is the amount due as lump sum to avoid any possible shortage. I understand this portion, if I am unable to make a lump sum payment the amount will be broken up into 12 months, so that would be an increase of $ XXXX month. Yet my payment according to this letter is being increased by $ XXXX. This was my question, why the discrepancy they are increasing my payment with an additional $ XXXX for a total charge of {$810.00} instead of {$650.00} I have asked why the additional charge of {$160.00} on 3 different occasions, the system states to expect a response within 48 hours but some may take 3-5 business days. I sent messages on XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 it is XX/XX/23 today and still no response. Same Scenario happened last year payment increased $ XXXX month x 12 months for a {$370.00} escrow shortage. 


2nd question asked the last 2 years I have received a XXXX form indicating interest earned slightly under {$100.00}, I have never received a penny from XXXX XXXX XXXX XXXX XXXX I have looked at my account payment history no monies have either been deposited into my escrow account, no monies have been applied to the principal and no monies have been paid to me. Where is this money? I have never received a reimbursement of any overages i have paid. They failed to answer this question they just re sent me the XXXX form. I am beyond frustrated with XXXX as I feel something XXXX is happening. I have attached the copies of the messages sent on the pdf presentation because transcripts of the conversations are not available.
Consumer complaint received 2023-01-30
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. (NV)

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items below 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 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (DE)

I have sent in multiple special deposits to AMERICAN EXPRESS, and they only want to claim some security issue. I have sent in 4 different notary verifications, as well as photo ID verification. AMERICAN EXPRESS continues to refuse access to my own credit, and they have even shut off my internet access to the account.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF THE WEST (MO)

I was involved in a scam where I was sent a check to be used to purchase pet supplies for a family I was to be dog sitting for. I went to my bank told them I was suspicious of the check asked for advice and was told absolutely nothing as they deposited the check into my account. They also told me the full amount of {$3700.00} would be available the very next day. When I have had checks for only {$200.00} that took multiple days to clear. Over the weekend I had a bad feeling about the check I had deposited and decided to send it back to the party who sent it to me XXXX XXXX I had been in contact with her for over a week but when I told her I would be sending the funds back she acted weird and sketchy and I knew I didn't want any part of this scam. I went to my bank Tuesday after presidents day and asked what was the most secure way to send a check or money for that matter that I could stop payment on if necessary and she told me a cashier 's check. I proceeded to get a check for the {$3700.00} minus fees and it was sent later that day. I found out XX/XX/22 that it was a bad check when my bank Bank of the West stole money out of my account because they cleared a bad check to cover their own XXXX and then I was charged an additional {$15.00} because my bank didn't notify me the check was bad until it was too late. The funds should not have been made almost immediately after depositing and because it was a bad check it shouldn't have cleared. I didn't have {$3700.00} in my account to send back to them if the check was bad. Bank of the West stole my money and they need to return it.
Consumer complaint received 2023-01-30
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$7300.00}, XXXX XXXXXXXX Balance Owed : {$17000.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00}, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2018-11-16
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

In the past couple months this company allowed someone to use my credit report unauthorized. I received a alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They can't provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the Law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

XX/XX/2022 {$190.00} Payment delinquency notice. ( credit card ) the XX/XX/2022 I received a call from XXXX XXXX Bank " XXXX XXXX ", the message on my voice machine wasn't clear so I call the branch the XXXX and they told me nobody call me. They didn't tried to rich me out. 


XX/XX/2022 I receive a letter " right cure " for miss payment " one credit card. " I contact my personals banker and manager and they told I didn't pay. 

First of all we set up all my payments in " auto-payments '' Secondly I told them when the credit office call ( I didn't know was the credit department ) I call the branch but no one in the branch was able to tell me my due payments. 

Of course I pay my debt, ( It is no the problem ) but they have not right to report on my credit score and lower my credit card limit. They said it's my fault ; it's not because I email back when I received the voice message.

Moreover the manger didn't care when I tried to tell them I file the complain office and the CFPB.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts XXXX/XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

A delinquent account was reported by CCB XXXX back in XXXX of XXXX 
The delinquent amount was due to changes in bank accounts and the debt was covered immediately when informed about the issue. 
The balance on the report indeed is XXXX dollars yet it is still showing and affecting my credit score.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have sent out a letter asking the credit agency to investigate the bankrupt that is reporting on my credit file, which they can back as the information is accurate and so I reach out to the credit furnisher and they sent me a letter back. and Experian would do anything about the wrong information.
Consumer complaint received 2021-05-26
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. (FL)

There is something crazy with my credit! I made a report after I noticed that there is more than 1 account on my credit report that is not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.
Consumer complaint received 2023-02-06
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. (CA)

On XX/XX/23 I received notification from Experian that a hard inquiry was placed on my credit report. Someone applied for a credit card with XXXXXXXX XXXX  under my name. I have not applied for any credit cards recently. There is already a fraud alert and XXXXXXXX XXXX should not have allowed an application to proceed.
Consumer complaint received 2023-02-09
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. (NY)

My student loan was transferred from {$260000.00} XXXX XXXX XXXX  to XXXX in XX/XX/XXXX. On XX/XX/XXXX, I receive notification that my loan was forgiven because of my public service. Experian stated that XXXX XXXX XXXXXXXX reported to them on XX/XX/XXXX to leave the loan on my account. I no longer have an account with XXXX XXXX XXXXXXXX. I explained this to Experian. I tried to reach out to XXXX XXXX  XXXX and the app, website and phone numbers are no longer operational. Please help me have this removed from my account immediately.