davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX, I submitted in writing, via return receipt, my intention to close my SERVE/American Express XXXX card. I submitted my correspondence to the address on the back of the card. That address was American Express-SERVEXXXX XXXX XXXX XXXX XXXX XXXX XXXX I was locked out of my account so I could not close or delete my account. I still received emails from them regarding my balance which is XXXX. I activated this card on Monday, XX/XX/2018.
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CO)

US Bank sent me a notice on XXXX XXXX, XXXX of a new escrow analysis. The bank says my escrow is short {$3900.00} based on a prorated 12 months. 

In addition, my escrow deposit was raised from {$190.00} to {$410.00}. 

The bank added {$320.00} for the shortage spread plus the increased escrow deposit fee to my XXXX statement, increasing my payments to {$1900.00} from XXXX. 

My county taxes increased to {$3300.00} in XXXX from {$730.00} in XXXX. This increased amount ( {$2500.00} ) is reflected in my new escrow deposit. 

Based on the above, my account should be short {$1900.00} due to increased tax payments from XXXX XXXX. I asked US Bank if I could make a {$1900.00} payment or pay my full tax bill for XXXX so could they remove the shortage of {$3900.00}. The bank rep said the shortage fee would be there unless I pay {$3900.00}. The rep 's explanation of the the shortage fee doesn't make any sense to me. I believe there are hidden extra fees in the {$3900.00} because the numbers and explanation provided by the representative do not make sense to me. 

I told the representative if she could present or explain why the fee is more than what I owe and she could not. I told her I would report this issue to the CFPB and she did not seem to care. 

I would like the shortage fee removed and the hidden fees revealed and explained. 

Here is my information : Loan Number : XXXX Name : XXXX XXXX ( formerly XXXX XXXX )
Consumer complaint received 2019-01-21
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)

I have been sending dispute letters to XXXX XXXX, XXXX, experian and im on my 3rd round with experian. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. Experian and XXXX  seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent XXXX XXXX deletion of XXXX XXXX XXXX to the other two bureaus but still have no response.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (UT)

My background check report was provided to XXXX by Sterling Infosystems , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. 

The report contains a 12 year old XXXX  charge ( XXXX  from XX/XX/XXXX  / XXXX XXXX XXXX, Utah ). I have never had any issues with this charge and have worked in the XXXX XXXX field for a combined sum of 5   years. I was under the impression this would fall off my record after 7 years. 

*Per the Fair Credit Reporting Act consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

On XX/XX/XXXX XXXX suspended my account. On XX/XX/XXXX they deleted my account. 
I did send an email to XXXX member care team ( XXXX ) today to notify them of the mistake. I no longer have access to the report, because my account no longer exists. Also I can not call the reporting agency at this time because I am in XXXX. 

Thank you in advance for your assistance, XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R & B Corporation of Virginia (VA)

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX. I do not have a contract with CREDIT CONTROL CORPORATION. They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Approximately a week ago I filed disputes in regards to aliases and old addresses with the credit bureaus Experian and XXXX. I asked them to remove inaccurate information and I provided my California identification which provided my accurate address and correct spelling of my name I said in the dispute please remove all other variations of my name or aliases and please delete all addresses not reflecting on my California license or ID
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (MD)

XX/XX/XXXX Re : Regional Acceptance Co acct. # XXXX Dear Regional Acceptance Co , I've been a customer of yours for years now, and recently when reviewing my credit reports I noticed late payments from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. I have always paid my bills on time, for as long as I can remember. I really believe that these payments must have been due to an error of some kind, such as an issue with the mail or something similar. If you'll review my account history, you will see that I have never been late aside from these instances. My credit is important to me and my relationship with your company is also important. I've been a happy customer for many years, and would like to remain one for many more. Based on our good relationship, I'm asking you to please remove these late payments from my account and from my credit. I ask you to take this in consideration and please favor your faithful client. 


Thank You.
Consumer complaint received 2020-02-05
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. (FL)

I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX XXXX, XXXX XXXX, the bureaus, XXXX   XXXX and XXXX  XXXX XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX someone fraudulently stole my credit card information and used it for XXXX   XXXX for {$100.00}. After that repeatedly someone used my credit card information to take rides on XXXX and XXXX. I reported this matter to Citibank Credit Card XXXX but to no avail. Citibank said that I will not be liable for any unauthorized but they did not honor their promise.

I trusted citibank and they broke my trust. Why I should pay for the charges I never made and why didn't the citibank blocked these charges from taking place? These charges continued till XX/XX/XXXX and Citibank is asking me to pay for it. All these charges amounted to {$610.00} and Citibank sent this amount to an collections agency XXXX XXXX XXXX XXXX on XX/XX/XXXX and they made this amount to {$750.00} which includes {$42.00} in interest and {$100.00} in Interest. 

Then I received a letter from XXXX XXXX on XX/XX/XXXX asking for the same amount of money {$750.00}. 

So it means it was further sold to XXXX XXXX. Citibank never told me what they did about the investigation, never sent me a letter, never called me. A totally irresponsible bank who makes people a fool by telling them that they are 0 % liable for fraudulent charges. 

I will urge and request XXXX to cancel their membership with Citibank as they are the most disgusting Bank and I don't want to deal with them anymore.
Consumer complaint received 2022-03-01
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. (MS)

This credit bureau is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (UT)

I recently filed a complaint, XXXX-XXXX  about DIVERSIFIED CONSULTANTS, INC for posting a fraudulent collection on my XXXX  credit report. Prior to this complaint I posted a complaint, XXXX-XXXX about XXXX XXXX XXXX, XXXX. for the exact same fraudulent collection posted on my XXXX   credit report. 
Both companies posted that the debt was due to XXXX XXXX XXXX. As I stated in my prior complaints, I have contacted XXXX XXXX XXXX numerous times in regard to these fraudulent collections and XXXX XXXX XXXX has not sent my account to collections. I am in stellar standing with XXXX XXXX XXXX. 
When I contacted XXXX XXXX XXXX in regard to what XXXX XXXX XXXX told me the operator said that the collection was actually paid and that they no longer had a collection account for me. That was bizarre to say the least. 
A few weeks later the EXACT SAME collection was posted by Diversified Consultants , inc . 
1. How can Diversified Consultants, Inc. post a collection that XXXX XXXX XXXX said was PAID? 
2. How can Diversified Consultants, Inc. post a collection that no longer exists?

3. How can Diversified Consultants, Inc. post a fraudulent collection on my credit report, the same fraudulent collection that XXXX XXXX XXXX already had posted? 
I immediately called XXXX  and filed the above complaint against Diversified Consultants , Inc.. 

XX/XX/2016 I received a form from Diversified Consultants, an Identity Theft Victim 's Complaint and Affidavit. This form is to be filled out by the person it is addressed to, which the first name and last name are incorrect and now, because I filed a complaint, this scam of a company has my mailing address. The form requests that I contact XXXX XXXX XXXX, Yes I have done this a dozen times in the last four weeks and XXXX XXXX XXXX has NEVER sent me to collections. 
I have to send back this form with more of my personal information, like drives license, valid photo ID and so on. Why on earth would I send any further personal information to this company? This is such blatant fraud it is outrageous. 

I will not be filling out this form. I will consistently file complaints with the CFPB, XXXX XXXX XXXX and XXXX regarding both XXXX XXXX XXXX and Diversified Consultants, Inc. for fraudulent activities on my credit report. 
I do not want this company sending me any further mail or contacting me in anyway. 
Both of these companies are scammers and I have no idea how they are able to operate.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Despite numerous certified letters sent to the credit bureaus and debt collector referenced below, I can't seem to get any resolution on this debt they say I owe of XXXX. I requested proper debt verification via certified letters on XX/XX/2018 and XX/XX/2018 and the only thing I have received is a statement of balances but nothing baring my signature. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper verification is shown. The FDCPA is clear in section 807-8 and the FCRA in section 623-b as to how debt collectors are to verify debt with consumers. XXXX XXXX is not following the law by not providing proper verification to consumers in which they wish to collect from. I request that this negative item be removed from my credit reports due to XXXX XXXX not providing me with proper verification.
Consumer complaint received 2021-08-18
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. (LA)

Hi I've contacted The company XXXX  about a fraudgelant account theuy are continuing to report on my credit report. I don't know this company and have never done business with this company. I have also contacted and disputed this account 3 times with XXXX XXXX and Equifax and both companies have ignored my complaints & is continuing to report this fraud activity on my credit reports.
Consumer complaint received 2019-01-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they  don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. 
I was mislead by a deceptive practice into the purchase of a new vehicle!
Consumer complaint received 2019-01-20
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. (NC)

ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : 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 XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : EXPERIAN, XXXX AND XXXX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING DATA.
Consumer complaint received 2019-01-28
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)

Four years now XXXX  has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And XXXX negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.
Consumer complaint received 2019-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America debit card was stolen along with my XXXX XXXX on the XX/XX/18 XXXX dollars was stolen from my checking and savings accounts.The person who stole my card and phone made purchases using my debit card and also hacking on to my online banking on my phone making XXXX dollars in transactions worth they also make XXXX dollars transactions on my debit card also. 
As soon as my card and phone were stole I canceled my debit card and filed a police report in these crime.I rang my bank and they investigated what accoured I sent them all the information they need police report pictures of the suspect giving to me by police phone records also records of all transactions used by suspect. 
The Bank of America give me back XXXX dollars of my hard working money. 
I want the rest of my money XXXXdollars. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nj XXXX
Consumer complaint received 2021-08-18
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. (LA)

Hi I've contacted The company XXXX  about a fraudgelant account theuy are continuing to report on my credit report. I don't know this company and have never done business with this company. I have also contacted and disputed this account 3 times with Trans Union and XXXX  and both companies have ignored my complaints & is continuing to report this fraud activity on my credit reports.
Consumer complaint received 2022-03-01
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. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2019-01-28
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. (CA)

Four years now XXXX  has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And XXXX negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.
Consumer complaint received 2021-07-19
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. (AZ)

The company continues to report my previous mortgage ( XXXX ) as foreclosure and it was a short sale, that is inaccurate as was not a foreclosure, my next step will be filing a lawsuit if the account is not removed immediately. I have sent countless letters and disputes and continue to be verified as accurate.
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I have been saddled with a collection account for what seems to be a three-year old cable bill. I have no knowledge of this debt. When I spoke with XXXX, they stated that they did not have much information on the debt itself. They also stated that they on the spot adjusted the balance from XXXX to XXXX. Then my credit report collection is saying that I paid down XXXX dollars, which I did not. I both do not owe the debt and did not pay towards it. As far as I understand, simply from their information, they have assigned me an inaccurate number. I did not pay XXXX dollars a month for cable, nor did I miss any payments, nor did I pay XXXX of the XXXX alleged.