davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Collection Systems, Inc. (TX)

I have disputed this entry for National Credit Management several times. I have repeatedly asked them to send me a copy of the signed, exclusive contract between National Credit Management and myself for repayment. The only response I've received from them is documentation I've had with my school. They refuse to send me a contract stating conditions for repayment between me, XXXX XXXX and them, National Credit Management. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-05-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Please reference the attached letter I sent to Equifax on XX/XX/XXXX. THey were supposed to respond to the letter within 30 days, but I have not received anything.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED!!
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018. 

However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment. 

I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.
Consumer complaint received 2019-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

On XXXX my annual escrow account disclosure was mailed to me assessing a escrow shortage of {$580.00}. Per my initial escrow account disclosure statement that I signed on XXXX my county taxes were not to be disbursed until XXXX of XXXX after the XXXX and XXXX escrow payments were deposited into the account. These first two payments in XXXX and XXXX would serve as the required two month escrow " cushion '' XXXX disbursed my taxes a month early in XXXX of XXXX resulting in an account balance of {$260.00} which is below the required two-month cushion. The Account Projections section of the annual escrow statement also has my taxes being disbursed a month early in XXXX resulting in a balance of {$210.00} against a requirement of {$790.00} ( {$390.00} X 2 ). 

If XXXX disbursed my taxes in accordance with the timeline in my initial escrow account disclosure ( XXXX ) I would have an account balance in XX/XX/XXXX of {$600.00} against the requirement of XXXX. My actual account shortage would then be {$180.00} instead of the current {$580.00} On XXXX I sent a written request detailing the above request and never received a response. On XXXX I called the customer service line and they simply refused to consider my request.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANNER CORPORATION (OR)

Received in mail on XX/XX/19 a windowed envelope that contained something that looked like a check. Opened it, and it is a new account reward voucher from XXXX XXXX that looks strikingly similar to a check, including a signature and everything. I don't think banks should be able to do this kind of marketing, because some people could actually tink this is some kind of check.
Consumer complaint received 2019-04-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit reporting agency refused to provide me legit paperwork on signed documents bearing my signature that I owe this account. This account is also more then 10 years old and should not be on my account. The collection account is XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: World Omni Financial Corp. (FL)

I was shocked when I reviewed my credit report and found 30 days and 60 days late payment on the dates XXXX XXXX 30 days, XXXX  XXXX 30 days, XXXX XXXX 60 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (TX)

I have an account with XXXX XXXX- XXXX . I have paid the account to XXXX by working 2 and 3 jobs, however the company keep running my credit which I work hard to build ( by paying them to zero ). They are running my credit without my permission. However, I didn't authorize it because I don't want an increase or any business with them right now. They came back and reduced my credit line causing a massive 27 point decrease. This is a never ending situation with this company. Unauthorized pulls on my credit ruining my credit.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

All three bureaus continue to report an account twice, with XXXX XXXX. There was only one account with this company yet they are reporting it twice with the same exact information. This is wrong and it's hitting the scores twice.
Consumer complaint received 2024-09-21
Product: Credit 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: WELLS FARGO & COMPANY (WA)

I am filing this complaint regarding a disputed transaction with XXXX XXXX XXXX, which occurred on XX/XX/year>. The transaction amount was {$490.00}, whereas the correct amount should have been {$460.00}. This dispute was handled by Wells Fargo ( Dispute Number : XXXX ), but my claim was rejected despite efforts to resolve the issue directly with the hotel. 

Summary of Events : 1. Upon check-in at the hotel, I mistakenly selected to pay in USD instead of the local currency ( ISK ), which resulted in an overcharge due to unfavorable exchange rates and additional fees. 
2. I immediately requested that the hotel staff cancel and redo the transaction in ISK. However, the hotel refused to honor this request, forcing me to accept the payment in USD. 
3. After my stay, I reached out to the hotel to resolve the issue, but they claimed that any exchange fees were imposed by my credit card issuer and that they could not issue a refund or adjust the transaction. 
4. I then disputed the transaction with Wells Fargo, but my claim was denied on the grounds that the transaction amount matched what was processed. However, this ignores the fact that I requested the transaction to be processed in ISK, and the hotel refused to accommodate my request, resulting in unnecessary fees. 

I am seeking assistance to address this unfair practice, which led to additional costs that could have been avoided had the hotel honored my request. I am requesting that Wells Fargo or the merchant adjust the transaction amount to reflect the correct total of {$460.00}, as the additional {$28.00} charge was a direct result of the hotels refusal to process the payment in the local currency.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

There is a medical bill that is reporting on my credit file that I know nothing about. I have medical coverage and never received anything from a provider 's office indicating I owed money. I have insurance and as far as I knew everything was covered. Why didn't this company or any office send me notification???
Consumer complaint received 2019-04-17
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. (CA)

two XXXX XXXX XXXX, are reporting under my name, under my equifax credit reporting agency, which do not belong to me, i have tried to dispute with equifax but they have been unable to help me in this case. i have called the creditor they do not have my name in their data base, nothing under my name, i dont know how equifax is verifying these information, please help me to have equifax remove these inaccuracies, it is hurting my credit. they are not helpful they dont even dispute or if they do they not do it correctly. 
thank you for your help you are my last hope. 
thanks
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize any of the below. Please remove all my credit immediately. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-15
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 noticed on my credit report from XXXX XXXX that I have a hard inquiry from XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX told me to go to the creditor. I called XXXX and they told me they dont work with airlines, theres nothing they can do about it, and to call Transunion. I called Transunion who tells me to call XXXX to have this resolved. I explained to Transunion that I already spoke with XXXX. Transunion tells me to send them a copy of a letter from XXXX saying they dont work with airlines. I explained that XXXX told me they wont send me anything. 

I am getting the runaround on this matter from all parties and thats why Im seeking your help. I did research on XXXX that showed the hard inquiry is happening to others and is fake. 

Help
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail,. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

MY NAME IS XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX SS # XXXX ADDRESS XXXX XXXX XXXX XXXX CA XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU.

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) DELETE THIS FRAUD ACCOUNT THANK YOU
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TN)

I am a customer of American Express credit card since XXXX. I have never had a payment problem with Amex.My current net worth in liquid assets is more than XXXX XXXX dollars. 
In XX/XX/XXXX, I submitted an application online for a Delta Skymiles Platinum Card issued by American Express. Amex denied the application stating that there was an instance where a payment was returned to American Express by my bank. I had a typo on my account number when I set up a new bank account for payment of Balance Due on the Amex Statement. I had rectified the problem immediately. 
I called the Amex 800 number and explained the situation and pointed out that I had been member since XXXX and that until very recently I had an Amex Platinum Card. I have never had a payment problem.They said they will review and let me know. I received a regret letter by US Mail dated XX/XX/XXXX. 
I called the Amex XXXX number and talked to a woman who would only give her first name XXXX. I wanted to know who made the decision and if I could speak to the person. She said that is not possible. I informed her that I will submit a complaint with CFPB. She said some one will get back to me. No one has.
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (NM)

My Name is XXXX XXXX XXXX P # XXXX. I have a mortgage loan with XXXX XXXX XXXX in XXXX, NM. Their phone number is XXXX. On or around the first part of XX/XX/XXXX XXXX XXXX XXXX paid an insurance company that I was no longer with {$1100.00}, not to mention paying the insurance company that I am indeed with. This caused a shortage in my escrow account of around {$1100.00}. It also caused my monthly mortgage payment to increase. I was not informed of this issue for almost a year. I continued to pay my regular monthly payment not knowing fees were accruing. In XX/XX/XXXX I had no choice but to pay {$1500.00} which was stated is late fees, shortage fees and who knows what else. I agreed just so this could be over. A manager agreed that there will be no more charges and owing extra charges will no longer happen. I also sent a regular monthly payment of {$870.00}, hopefully my mortgage payment will decrease back to {$820.00}. Today is XX/XX/XXXX, I received a call yesterday stating they did not receive my monthly payment for {$860.00} that I did indeed send. This never ends. How can I get them to stop harassing me for money still to this day? How can I stop owing them so much money. It never ends. No matter how much I pay on time, it seems every year I am paying at least an extra {$1500.00} to them along with every single monthly payment that is never late. Its unfair that I had to pay for their mistake and still being charged money for the damage that it has created. I have been threatened that my credit will be damaged and threatened with foreclosure. I am asking for your help. Please help.