davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

After previous identity theft in XXXX, put a credit freeze in place with all three credit reporting bureaus. On XX/XX/XXXX I found out that XXXX Bank had pulled a credit report on my through Experian. I was surprised by this, as I had not requested credit, and I had not lifted my credit freeze. 

I attempted to log in to my Experian account to verify the status of my credit freeze, and found that I could not login, and that the account was now associated with an email I did not recognize and had never used. I inferred that my credit at Experian was no longer frozen, and that someone had hacked in to my Experian profile to unfreeze it and then apply for credit. 

Experian has been of no help to me in resolving this issue. It is impossible to reach a live person on the phone. All options on their voice mail menu lead in circles, and a recorded message even says that " I'm only able to transfer people in limited circumstances '' if you ask for an operator or representative. 

Although I was able to stop the unauthorized accounts at XXXX from being opened by contacting XXXX, I believe that my credit information is not secure with Experian, and that this can and will happen again. I also believe that Experian does not have enough safeguards in place to prevent an unauthorized person from taking over/hacking an Experian profile. A quick search online shows that exactly this has started happening to many people -- they find their Experian accounts have been taken over and are now associated with someone else 's email, and that person now can remove credit freezes and fraud alerts. 

Experian needs to fix this problem quickly, and they need to answer their phones instead of referring people to prerecorded messages and their website.
Consumer complaint received 2021-10-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Credit Exchange Corporation (CA)

This account XXXX was charge-off paid off and closed from XXXX XXXX in XX/XX/XXXX, showing on my generated report date XX/XX/XXXX The company has harass me and oppress me causing damage to my credit continued attempts to collect debt not owed. XXXX XXXX keep reporting a paid off account on my credit report balance XXXX updated XX/XX/XXXX The payment history in the validation letter show proof I made a payment on time for {$360.00} date XX/XX/XXXX through XXXX XXXX the due date is the XXXX of every month and XXXX XXXX mailed notice attempt to collect XXXX not owed. Copy of payment notice date XX/XX/XXXX. The XXXX XXXX XXXX account number is incorrect on my XXXX Credit report also the account # showing XXXX The validation account letter # is XXXX. Pacific Credit Exchange with report number # : XXXX send copys of contract and payment history from XXXX XXXX show no proof I owe the debt there was no notice of right to dispute this debt the validation was not verify.
Consumer complaint received 2021-07-07
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: First Help Financial, LLC (MA)

I have submitted a dispute with XXXX  credit bureau 3 times about a false claim on my credit report of a car repossession. It is with the company First Help Financial. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX ma XXXX. I have never taken out a loan for a vehicle in my life and have only leased my cars. I called First Help Financial personally and gave them my name and my date of birth and they told me that they have no one in their record with MY NAME and MY BIRTHDATE. So that obviously means it is not me in that repossession and it should not be on my credit report. This is impacting my credit score but it seems everyone that works at XXXX  credit bureau does not know how to do their job correctly. So I am filing a complaint towards them.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (GA)

I received a voicemail the week of XX/XX/XXXX and a letter on XX/XX/2021 from the Collection Bureau of the Hudson Valley attempting to collect debt from XXXX  for a service balance of {$260.00}. 

I have never had a XXXX account. I reviewed my records and my credit reports to verify ( I am a victim of identity theft and have a credit reporting and monitoring service ).
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I spoke with XXXX from the Dispute Department of Portfolio Recovery Associates around XX/XX/XXXX to request that he kindly remove any and all derogatory remarks from my credit file stating that I wasnt paying their bill because thats not true. I informed him he is annotating false and inaccurate information on my credit file because I have in fact been paying as agreed upon since XXXX to present and that my payments are being automatically deducted from my checking account each and every month. Furthermore, I had a good reason why I was late because I was ill and became hospitalized which they were duly informed about. Additionally, I had to wait for my social security to be approved so I can pay them more money. So as you can see, annotating on my credit file that I have not not been paying my debt is not accurate. It is false information.
Consumer complaint received 2022-01-09
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. (NY)

Hello, My name is XXXX XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I received a call from Compass Bank BBVA regarding a past due payment on my account. I scheduled a payment to pay the balance in full on my credit card, {$1000.00}, on XX/XX/XXXX using the Compass App. I had transferred {$1000.00} from my checking account at XXXX to Compass Bank on XX/XX/XXXX in order to make the {$1000.00} payment on XX/XX/XXXX. When I talked to the customer service representative on XX/XX/XXXX, he indicated the payment was never received and that it was likely a bank error. As a result he waived the late payment fee and processed the {$1000.00} payment. 

On XX/XX/XXXX, three days after my credit card payment was due on XX/XX/XXXX, Compass BBVA reduced my credit line from {$9200.00} to {$1100.00}. I explained to the customer service rep that I wanted my credit line restored to the {$9200.00} because 1 ) the missed payment was the result of a bank error and 2 ) the payment was only 3 days past due. He assured me he would submit a courtesy request to have the credit line restored. I have contacted Compass twice more since that time to inquire about my credit line. Each time I am told it is under investigation. 

I have had my credit card with Compass Bank since XX/XX/XXXX and have never once missed a payment. In fact, I rarely use the credit card. Prior to the {$1000.00} charge I made in XX/XX/XXXX, the account had not been used since XX/XX/XXXX. Further, the payment, again which was late due to no fault of my own, was only three days past due. As a result of the Compass lowering my credit line, my credit score dropped several points, effecting my debt to income ratio and credit utilization.
Consumer complaint received 2022-11-19
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: TRUIST FINANCIAL CORPORATION (VA)

I have contacted Trust on more then one occasion advising them that fraudulent charges were on my account. I was robbed of all my worldly possible and my Trust card is one of the things stolen from me. I have had to file a police report with the XXXX, Virginia police department. I am asking that Trust please update my account and remove all fraudalent charges from my account. I am also asking that they communicate with me to please resolve my Truist account.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (NV)

This company is reporting false information on my consumer report without proper validation and verification of this debt. I've never received a notice of attempt to collect upon this debt, however this account has been charged off and sent to collections on my behalf. I have no record of correspondence with this company and I have never received notice of Opportunity Financial claiming my obligation to pay this debt. Upon asking for their permissible purpose to claim I owe this debt, there were no factual findings produced. I've disputed this with all major credit bureaus and it's come back as " verified '' but nobody has shown me anything further than a " verification '' status. I've asked for proof of this debt, some type of clarification of this alleged debt and the company its owed too and all I've been given is non-compliance. I have no recollection of dealing with this company and they have produced nothing showing that I am in relation of this. The information attached to this debt is inconsistent and inaccurate. I've asked for deletion of this account on my consumer reports as its erroneous and damaging, it remains. I've asked for verification of this debt and they're still pursuing this although it's been deemed unverifiable ; even going as far to close this account, re-open it and close it again on my consumer reports, severely dropping my score and creditworthiness. This gross act of misjustice is unlawful. I was never even contacted about this matter until it appeared on my credit and has been there apparently for years now before I pulled my reports in pursuit of a safe home.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2021-03-29
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. (IA)

I sent a dispute to Experian via certified mail on XX/XX/XXXX and after 45 days they had not begun the process. I sent another certified letter claiming they had failed to dispute within 30 days nd they then opened a dispute on XX/XX/XXXX which was over 90 days later. They took less than 2 weeks and had updated results on XX/XX/XXXX, XXXX, and XXXX. They did not correct anything in the report and I find it hard they completed an investigation in such short time. I then sent a letter requesting proof of investigation in XXXX via certified mail. They never sent any information but opened another dispute onXX/XX/XXXX. I submitted an identity theft report to go along with the dispute. Even with the copy of the identity theft report filed with the FTC they resolved the dispute in 2 weeks on the XXXX with no changes made to the errors on my report. Both XXXX  and XXXX  corrected the same errors the first time disputing and I feel that Experian is failing to follow the legal guidelines in investigating the errors on my report. I am in the process of buying a home and their inability to properly do their job is holding up my process.
Consumer complaint received 2021-07-07
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 previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.Thanks
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MD)

This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for XXXX XXXX. After investigating with XXXX XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is National Credit Adjusters ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX. 

I was notified that a new account from XXXX XXXX - XXXX XXXX  XXXX via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my Transunion report. 

However upon looking up XXXX XXXX - XXXX XXXX  on XXXX, I found that it was most likely a credit card from the company XXXX. I didn't understand what this was, I do not do business with XXXX or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX. 

I filed a dispute with Transunion and later with XXXX regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I found out about this debt after I got my credit report. I asked them to validate this debt with information and they have yet to supply me with it. I told them it is unlawful to try to collect a debt which includes reporting it on my credit report but they are ignoring my request for validation and neglecting the law by reporting it on my credit report.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/2021 I was scammed by someone I meet on snap chat .She told me she was going to give me XXXX just to have my attention. After the funds were available she started being very wired and didnt wan na give me proof that the check was real and really her and wanted me to send her money. So I quickly went to my bank and told them it was a scam. The bank closed my account and been under investigation.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IL)

I was a victim of identity theft and fraud in XXXX of 2017. A police report was filed with the XXXX XXXX XXXX Police Department. As a result of this identity theft/fraud, XXXX  XXXX XXXX closed my account and confiscated all the money that I had available in both my checking and savings account. In conclusion, I am asking kindly that this fraudulent information be removed from Early Warning Consumer Report. I am looking to open future bank accounts and these fraudulent and inaccurate information that is being reported on my consumer report is causing me issues. 
Early Warning is the only consumer reporting agency that had not accepted my FTC report and Police report, while XXXX  and the others have already verified that their information was inaccurate and they removed the negative accounts from my consumer reports.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Received notice that our escrow contribution was going to increase. We have more than the required 2 month minimum in the account, taking into account our XXXX Payment and XXXX Insurance Payment. 

Amount currently in Escrow {$1700.00} XX/XX/2022 contribution : {$440.00} XX/XX/2022 contribution : {$440.00} XXXX XXXX insurance payment {$1200.00} Amount in Escrow at the end of XXXX : {$1400.00} 2 month required minimum : {$890.00} We are being forced to increase our Escrow balance to {$2700.00}. Is this legal?
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a letter to all three reporting agencies to reconcile my report. Since my last communication, I have waited 30 days for a response and at this time I can't get my current score or report. My main concern is that the bankruptcy from XXXX is still present on the credit report as well. I have sent copies of a letter from the Eastern District bankruptcy court in XXXX WI stating that this information was not supplied by them to any reporting agency. I have since asked the reporting agencies to submit the following. 

Please verify that this public record is reporting completely and accurately please verify that the complete and full court name is reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, filed date, pay date and settle date. If you are unable to verify any of the information requested remove this bankruptcy immediately all dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.
Consumer complaint received 2021-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I XXXX have been reaching out and waiting on a response that does not come and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fixed now I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me.
Consumer complaint received 2022-02-22
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. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-04-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.