davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
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)

1-On XX/XX/XXXX i opened a bank account with XXXX XXXX 2-As i was managing my account on line a pop up appeared suggesting i apply for a credit card with XXXX. 
3- The pop up made it clear that my application will not affect my credit score ( i am attaching their pages as it appears and as it prints out attachments A1 and A2 ). Which implicitly meant hard inquiry will not appear on my credit report ) 4- Immediately my experian monitor reported that i had made a hard inquiry and that my score dropped 4 points due to this inquiry.

5- I immediately sent XXXX and email explaining them the situation and asking them to remove the hard inquiry. they answered in 2 days saying they ca n't do it and i have to contact another department 6- I sent XXXX a letter on XX/XX/XXXX about the issue requesting them to delete that hard inquiry ( see attachment A3 ... ). they answered with a letter to send more information about the issue. 
7- I sent a letter to Experian on XX/XX/XXXX ( A4.. ) of the incident and other incidents asking them to delete that hard inquiry especially that my written and or verbal consent is required as per the stipulations of the law. 
8-Received letter from Experian that though companies do not have my written or verbal consent they still can report a hard inquiry and i should object with your office. 
9- I sent XXXX second letter attachment A5 ) with more info.

10- XXXX sent letter ( attachment A6 ) refusing to remove the inquiry.
Consumer complaint received 2018-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

I received a letter from XXXX XXXX XXXX ( XXXX ) datedXX/XX/XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that XXXX was mistaken, the debt was not mine, and I requested validation. XXXX responded with a letter dated XX/XX/XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate  age. This is a case of mistaken identity.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a letter from a company called XXXX that stated that my personal information had been accessed from one of my employers or some organization like that. It said my social security number and other data had been accessed. It told me that I could get credit monitoring free for one year because of this breach from XXXX. I joined this site with an activation code provided. It asked for the last 4 digits of my social security number, which I was willing to provide. The site seemed to verify my identity in a normal fashion and let me provide a userid and password. However, then it said it was temporarily unable to access my credit data - try again later. I tried again for a week and then called the customer service number. They wanted my full social security number or told me they could not help me ; I wasn't in the system by name. I would not provide the number. It appears to be some kind of scam even though Transunion seems tone involved. If my personal information was illegally accessed, I do want the free credit monitoring but I also want to know who exposed it so I can take some action. Hiding the party that exposed my data seems illegal on the surface.
Consumer complaint received 2018-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CO)

I received a letter from National Enterprise Systems ( NES ) dated XXXX XXXX XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that NES was mistaken, the debt was not mine, and I requested validation. NES responded with a letter dated XXXX XXXX XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate age. This is a case of mistaken identity.
Consumer complaint received 2018-01-06
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: Experian Information Solutions Inc. (CA)

There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX XXXX on the dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), CONTEMPORARY INFORMATION ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX)
Consumer complaint received 2018-01-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/17 I sent a document to TransUnion requesting proof that they had verified accounts on my credit report prior to reporting the information. Since then they have not provided the data requested but states that these accounts have been verified without any proof of verification as requested. Please direct Transunion to promptly remove the unverified items from my credit report. I have attached copies of letters sent to them and their response which is proof my dispute was received.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (NC)

In XXXX I co signed for an apartment with a friend. At the time I lived in North Carolina & he lived in Florida at the XXXX at XXXX XXXX XXXX in XXXX, Florida. In XXXX of XX/XX/XXXXafter his graduation, he moved out the apartment. I was not contacted of any debt owed. Months went by and I was never contacted via email, mail, or phone. On XX/XX/XXXX, the apartment contacted me & told me if I did not pay them almost {$1700.00} that day, they would send it to collections. I told them I just had a new born baby and was out on unpaid leave & would be unable to pay. I also stated the fact that I was never contacted and asked why did they wait 10 months to contact me concerning the money owed. I received no response to my question and was told they would be sending me to collections & hung up. Within a month I received calls multiple times a day from a number I did not recognize. One day I decided to answer the call. A gentleman from National Credit Systems call about this debt. I explained the situation to him. He told me I had until XX/XX/XXXX to make some type of arrangement in order to not place the debt on my credit. He said if I made a payment arrangement, they would not report the debt. Even after this conversation, the company still continued to call numerous times a day. On XX/XX/XXXX my financial advisor called on my behalf. After speaking on a recorded line, the representative said that the debt would not report to my credit due to new law changes. As of XX/XX/XXXX National Credit Systems has placed this collection amongst all 3 credit bureaus. Upon further investigation, the State of North Carolina requires collection agencies to be licensed and/or registered with the Secretary of State. National Credit Systems is currently under a REVOKED status.
Consumer complaint received 2017-06-21
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. (CA)

on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from XXXX XXXX XXXX accident which happened to me in 2014. i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all three bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance. i would greatly appreciate for your cooperation in this matter. gratefully yours, XXXX XXXX
Consumer complaint received 2018-01-06
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. (NV)

HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME XXXX BLAMES EXPERIAN EXPERIAN BLAMES XXXX AND XXXX BLAMES XXXX ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE
Consumer complaint received 2018-01-06
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. (NV)

hello i sent in a copy of my police report and signed and notarized affidavit to all 3 credit companies now over 30 days ago only to get no response they are claiming they have not received it yet i have conformation of receipt from all 3 of them my identity had been stolen and someone was assuming my identity for years and finally when i went to do something about it they told me to ge a police report i got a police report and sent it in and nothing the information is still reporting please help me the only thing they did do was place a fraud alert on my report.that 's how i know that they did receive it
Consumer complaint received 2018-01-06
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. (CO)

I was illegally evicted from my apartment and erroneously billed for breaking my lease. The landlord 's representative sold this debt to XXXX XXXX XXXX, who added this fake debt to my credit report. I appealed the court 's decision, which was reversed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the landlord settled and the judgment was vacated. However, over a year later, XXXX XXXX XXXX has not removed this fake debt from my credit report. I disputed the charge with Experian to remove it and they will not. They stated, " XXXX XXXX XXXX Account Number : XXXX Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' However they did not share how the creditor certified this fake debt. It certainly was n't with court documents!
Consumer complaint received 2018-01-06
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: Conn's, Inc. (IL)

After finding multiple accounts reported to my credit reports from a company named conns out of Colorado. I filed a fraud paperwork and the police report in XXXX XXXX and said all documentation conns requested to fix the issue and still they wont remove the accounts. They are not my accounts. I spoke to them multiple times and still nothing has been resolved. The accounts were opened in XXXX
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I tried to cash a child support check from the state of West Virginia at my local XXXX. It was declined with no reason as to why and I was n't given a receipt. This was after inputting my social security number and drivers license. I called Certegy, the company that declined it, had to give them all my info, check information and amount. They would not give me a valid reason. I think this is some sort of scam to sell credit information. And from what I read on consumer affairs, thousands of people have had the same issue.
Consumer complaint received 2018-01-06
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. (NY)

I became a member of Equifax 3-in-1 Monitoring with 4 FICO Scores in XXXX XXXX. I paid {$12.00} per month for two months already There is only one score provided, and for the 4 Fico Scores. 
Today, XXXX XXXX, XXXX, I opened my Dashboard at Equifax 3-in-1 Monitoring with 4 FICO Scores,  and Equifax is providing me with an outdated FICO score from XXXX XXXX. 
All records of my revolving accounts are incorrect, there is NO ACTUAL PAYMENT AMONTH FOR EACH OF MY CREDIT CARDS, CAR LOAN AND MORTGAGE. The Equifax incorrectly register only the minimum amount and/or the balance. Still, balances on credit cards are outdated and incorrect. 
When I disputed, Equifax just confirmed if the information was existent without looking into more specific information. My credit report has several, the same, repeated accounts/same accounts with the same account numbers which appear more than once on my credit report ( U.S. Dept. of Edu.  Student Loans which were transferred to XXXX ), and Equifax just agreed to verified that they were ever existing. Equifax is keeping repeating accounts on my credit report. Equifax is hurting greatly my credit worthness. Should Equifax include all ACTUAL PAYMENTS I MAKE CORRECTLY FOR EACH OF MY CREDIT CARD/INSTALLMENT LOANS, my score must go up every month. Thus, since I filed disputes last week, MY EQUIFAX CREDIT SCORE WENT DOWN WITH 59 POINTS according to XXXX XXXX. Should Equifax consider my ACTUAL PAYMENTS, WHICH ARE MORE THAN 70 % HIGHER THAN THAN THE MINIMUM REQUIRED AMONTS FOR EACH OF MY CREDIT SCORE, THERE SHOULD NOT BE A DOWNFALL IN MY Equifax or XXXX CREDIT SCORE, BUT MY CREDIT SCORE MUST GO UP ABOVE 720!!! 

I ALLEGE THAT EQUIFAX and or XXXX IS INVOLVED IN DEFLAMATORY suppress OF CREDIT SCORES OF CUSTOMERS LIKE MYSELF, AND HAS NO INTEREST OF FIXING AND RASING THEIR CREDIT SCORES. EQUIFAX and XXXX are HURTING ME negatively and FINANCIALLY SINCE NO CREDIT COMPANY WOULD GRANT ME CREDIT DUE TO THE PURPROUS defamation OF EQUIFAX and XXXX.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OH)

On XXXX/XXXX/2018, I received my expense report checks and wanted to deposit them into my Simple Bank Account. However their services were down, they were not able to accept deposits, all the use of the XXXX Debit Card, check customer balances, or anything involving the bank. It is now XXXX XXXX and services have been down since approximately XXXX XXXX. That is over 6 hours customers have not been to access their funds, contact support, or even perform something as simple as check their balance. 

This is quite absurd and would not be accepted by other banking institutions.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

TransUnion charged me {$1.00} for my " free credit '' report. They then contacted me via email stating that I had signed up for a year long {$19.00} a month Credit Service for a year which I did not. TransUnion and have not responded to my emails.
Consumer complaint received 2017-06-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

My loan was paid in full on the XXXX of XXXX XXXX I was told it takes 21 business day to have my escrow account balance mailed to me. I waited until the Week of XXXX XXXX and when I had not received it I called Mountain West Financial to see if they mailed it to the old or new address. They had mailed it to my old address so I asked the gentleman on the phone to please cancel that check and reissue it to me at my new address. I was told this process will take 48 hours and my check will be reissued then. I wailed until XXXX XXXX and called again when I did not receive my check and was told by the young woman that my check had never been reissued and they would put a rush on it and have it out to me in 48 hours. I waited until XXXX XXXX and still did not receive my check when I called they said that it takes 15 days from when I asked for the canceled check and that they could not send it to me any earlier than the XXXX of my. When I asked for a supervisor I spoke with a woman who said that it is not their fault that they had miss informed me and that the can not send me my money any earlier than the XXXX. I feel like I was lied to about time lines and that they are being deliberately deceptive in their process for reimbursements.
Consumer complaint received 2018-10-29
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. (TX)

I contacted Equifax and informed them the following is not correct. The information is still reporting incorrectly. 
I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that I have no knowledge of the origin. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following accounts are NOT my accounts, please remove from my report XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX I requested a block and cease from reporting and they failed to do so : Please block and cease reporting the following accounts and inquiries. The report is not accurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

Hello. My name is XXXX XXXX XXXX. On XXXX/XXXX/XXXX I went to Regions Bank on XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I intended to transfer {$10000.00} of my EE savings bonds to my savings/money market account so as to avoid having to pay taxes. However, the banker XXXX XXXX said that he could cash in all of my savings bonds without incurring any tax penalties. As a result of his advise, I ended up going ahead and cashing in all of my {$100000.00} worth of savings bonds since he said that it would be tax free and they could go into a tax deferred account with no tax penalty. Unfortunately, I feel that he took advantage of me and tried to make sure he could get all of my deposits even though it was not in my best interest. He cashed in all XXXX of my savings bonds and put them into a non-tax deferred account so he could make sure that he got credit for all of my deposits. I am now faced with paying taxes on the full amount because of his greed and lack of morals. I originally wanted to only deposit XXXX, but he talked me into doing all of may savings bonds even though it was not in my best interest. I am a widow with a very limited amount of income and savings. I want them to make up the amount of the taxes that I will have to pay due to their greed and unethical behavior. They are trying to say that they did n't do anything wrong, but what really happened is that after I asked to just cash in XXXX, he talked me into cashing in everything. The bank even tried to set me up with an accountant after they realized the mistake that they made, but the accountant confirmed that they had made a big mistake by making me cash in all of the bonds. Since they are not admitting any blame, they refuse to do anything to help me with the severe tax penalties from cashing in so much at once. They should not be allowed to get away with taking advantage of old ladies like me with not having any penalties. They are being predatory and taking advantage of me, and no one seems to care how much they cost me in tax penalties. I think they are going to tax me about XXXX when all of that could have been avoided if they did the right thing. I even questioned XXXX multiple times about the taxes, and he assured me everything was fine. He lied to me and took advantage of me. I ca n't afford to be ripped off by people like him, as I have no opportunity to replenish my savings at this age. Please help me hold them accountable, as they are lying and not taking responsibility for their actions.