davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
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: WELLS FARGO & COMPANY (GA)

I was to added to a Wells Fargo Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a Wells Fargo Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from my account.
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TN)

I am being charged for a bill that was supposed to be paid through my insurance company and the hospital has not submitted the bill for payment to my insurance company. Rather they have turned the bill over to several collection agencies and it has now compromised my credit.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN)

Prior to my first complaint about Stewart, Zlimen & Jungers I had received what they had portrayed as XXXX County Court documents stating I HAD and was COMPELLED to pay a debt to them I had no knowledge of.  I reported them to the cfpb for that and wrote them notice to cease and desist all contact. They responded with the one response they a are allowed with the Fair Debt Collection act to inform me will being legal action against me. Having had the hearing noticed sent to an address I no longer resided at they received a default judgment with out my knowledge.  They then began to attempt to garnish my XXXX income and sent me a letter and had the court order I verify my income.  After a second collection letter for payment from my XXXX, being exempt income, I informed them once again to cease and desist a second time.  I received a letter this week demanding payment from a tax returns and offering a pay off plan that exceeds the amount awarded by the court despite my two prior cease and desist letters and that XXXX is exempt income. I am now issuing a third cease and desist even though they refused to comply with the prior two and continued to and threatened to collect on XXXX income.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, EXPERIAN & XXXX ).

Thank you in advance for you help in this matter
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( EQUIFAX, XXXX & XXXX ).

Thank you in advance for you help in this matter
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I went to XXXX XXXX store on XX/XX/XXXX to buy some items for my wife and I and was asked if I wanted to open a card so we did. I gave all my info to the sales person and went on my way. The charge was {$48.00}. I never got a bill from this company and then out of the blue my credit went down when I called the company to inquiry I was told that they did not have my Unit number on the account billing address.

That is not my fault the sales person did not included this when I called to complain I was told that they would not remove the lates from XX/XX/XXXX and XX/XX/XXXX. As you did not get any mail returned. This is crazy. It was there fault. 

I have called the customer service center for the last 3 months asking if they could remove a 30 day late charge from XX/XX/XXXX and XX/XX/XXXX. The keep saying no. I called to complain as I have never been a late on any accounts in my life, I was treated with disrespect form a very confrontational customer service rep for your company. You can check the records on that one, I know the conversation was recorded.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (AL)

I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because Ditech is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
Consumer complaint received 2018-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I sent the attached information to Equifax, CMRRR via  USPS, as well as faxed 3 times, in support of my 605B block request. Equifax states they received it, but only 1 page and my social security card.

I asked how they could lose my information so many times. They advised that the mailroom scans and then shreds the papers. However, my information is not being delivered to Equifax fraud investigators, no matter how I send it. This is unacceptable. I have been fighting this fraud for over a year. Equifax will not provide an address to send items signature required, so I have no way to ensure my information is received. I have given plenty of chances for Equifax to address this with the methods provided.

I am also unable to submit this information online, as I am blocked from doing so on their website. I am unable to view my credit report even though I pay monthly for it. I am unable to purchase my report. I am unable to use the dispute system. This ca n't be legal.

I am attaching the documents I have been sending directly to this complaint. That way, the CFPB can deliver them. Maybe they wo n't shred my life away this time.
Consumer complaint received 2018-01-19
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. (AL)

I have contacted XXXX and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. XXXX, is reporting my account opened and XXXX XXXX is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
Consumer complaint received 2018-01-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Uber Technologies Inc. (CA)

I 'm an XXXXXXXX XXXX with an XXXX XXXX XXXX. 

XXXX/XXXX/XXXX While eating lunch, a person started taking pictures of my car. I asked why, he replied " it is n't your car. '' He continued to take pictures, got into his car, and began to leave. I took his picture and license plate number, as I felt threatened. 

XXXX/XXXX/XXXX The CA XXXX informed me someone had paid for my cars registration and the tags had been sent to that person. 

According to my lease agreement I am responsible for that type of payment. 

I 've tried to get in touch with the XXXX XXXX XXXX with the email information they 've given me and the addresses are no longer valid.
Consumer complaint received 2018-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Lender Inc (MS)

Upon reviewing information regarding my Self Lender loan I noticed that I had a pending transaction that I did not authorize on Friday, XXXX XXXX, XXXX in the amount of {$50.00}. On Tuesday, XXXX XXXX, XXXX I did authorize a payment in the amount of {$48.00}. So I called my bank to determine if they had a transaction pending from Self Lender in the amount of {$50.00} and they could not find the pending transaction that was listed on my Self Lender account. I also learned that my account was overdrafted because of a withdraw from Self Lender. So I then called Self Lender 's XXXX number to have the transaction stopped because I did not authorize the payment on XXXX XXXX and did not want to pay any additional fees. I was put on hold for over 10 minutes twice and the phone call was never answered. I contacted someone on chat on the website and received an answer. While speaking the XXXX ( I believe ) I was informed that a transaction could be pending for two to four business days before it is withdrawn from your account, that it could take up to seven day for it to update on the website and that the transaction could not be canceled before the representative rudely disconnected the chat message with me. When I attempted to use the chat again it says that it was unavailable and the office was closed. This is the second time in a row that Self Lender has held a payment until my account balance is low and attempted to withdraw funds. I believe it is in an effort to collect late fees and insufficient funds fees.
Consumer complaint received 2018-01-19
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 — Their investigation did not fix an error on your report
Company: American Acceptance Co., LLC (GA)

I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Consumer complaint received 2018-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MA)

Our TD Auto Finance LLC auto loan was directly debited from our XXXX XXXX XXXX checking account until XXXX 2017. In XX/XX/XXXX we switched to XXXX XXXX and changed over all of our direct debit accounts. I tried to change the direct debit information for our TD Auto Finance loan online but was unable to due to technical difficulties with the the TD Auto Finance website. ( To this day the website is still not capable of making this change ). Because I could not update my banking information online I faxed in a copy of my request to change the bank account from which the direct debit was drawn. After TD Auto Finance received my fax ( confirmed by an account manager on each of the three occasions I called to attempt to rectify the problem ) it attempted to withdraw money from my Bank XXXX XXXX bank account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After each of these attempts I called TD Auto Finance and was told that my fax had been received and that the problem was fixed. In XX/XX/XXXX and XX/XX/XXXX our XXXX XXXX XXXX account became overdrawn and fees were applied to our account. The account still exists but we do not fund it anymore. After XX/XX/XXXX I called XXXX XXXX XXXX and had them put a stop payment on any future requests fro withdrawal from TD Auto Finance. Again in XX/XX/XXXX TD Auto Finance attempted to withdraw money from my XXXX XXXX XXXX account but could not this time because of the stop payment. Because TD Auto Finance could not withdraw money in XX/XX/XXXX our account became past due without us knowing. My husband recently received notice that his credit has been negatively effected due to our past due account with TD Auto Finance even though our balance is now fully paid using the one time payment option on-line. This has been an extremely frustrating and time consuming experience. Each of the three times that TD Auto Finance withdrew or attempted to withdraw from our XXXX XXXX XXXX account I spent at least an hour on the phone with a TD Auto Finance representative. Each time they indicated the problem was fixed and each time the problem was not fixed. I am still not sure whether TD Auto Finance will attempt to withdraw from the wrong account again this month. Now our credit has been negatively affected.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (DC)

Experian had a massive data breach due to its negligence that included all of my personal information. In the aftermath, I signed up for credit reporting and credit freezes. I did not think in doing so that I had agreed that Experian could start charging me for these services ( and none of the other credit reporting agencies have charged me even though they were n't the ones that were at fault ) but a {$24.00} charge from Experian appeared on my last credit card statement. I tried to call Experian several times to get this straightened out but keep getting recordings that say the wait will be " more than 45 minutes ''. I want them to stop charging me and refund what I 've already paid - I do n't even know what Experian is billing me for since I thought they had agreed to provide free services for people who had been affected by the breach. I think Experian is engaging in fraudulent conduct by charging people for credit monitoring services are only needed because Experian did n't do its job.
Consumer complaint received 2018-01-19
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: EQUIFAX, INC. (FL)

I have been going back and forth with Equifax since 2016 reference an account that does not belong to me. I have provide all letters notorized and FTC report and police report and they still refuse to delete these accounts from my credit report. I also provided this to the creditors and it was removed from the other bureaus but Equifax keeps stating that it was verified. There 's no way that is possible. They have betrayed us citizens by allowing people to have access to our information and then tried to cover it up. This is totally unacceptable and should be dealt with accordingly.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Information Bureau, Inc. (FL)

On theXX/XX/XXXX I sent out a certified letter requesting that this account be validated and not verified I specifically requested three things * the original signed contract from me to the orginal doctor to release my medical records to collections information bureau also know as XXXX XXXX XXXX. ( HIPPA ) * original doctor statement of procedure * cease all reporting to all major credit bureaus until the documents have been reviewed and validated by me. 

I specifically stated the original documents that if I did not receive the original documents that it would be deceiving the information received by this company was this evening the original document of the statement from the hospital was dated XXXX XXXX XXXX if this procedure was done XXXX XXXX why does the statement show XXXX this is deceiving this is something that was printed up after receiving my certified letter furthermore the signed document received does not state that I gave the hospital permission to give this company my personal information on this alleged debt it is now XXXX XXXX and this company is still reporting in inaccuracy information on my credit report
Consumer complaint received 2018-01-19
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: EQUIFAX, INC. (FL)

I have been writing and disputing several accounts on my credit report since XX/XX/2016 due to me being a victim of identity theft.. Equifax refused to delete this account from my report. I provided a police report and a report from FTC and all notorized documents. I 've contacted the creditors as well and provided them reports and these accounts were deleted by the other bureaus but not from Equifax. The send the same letters back asking for my identification during each dispute which they already have on file with I believe that is to hinder my ability to have these accounts removed. I am frustrated and completely furious about how I am being mistreated. This is the same company that betrayed the consumers and refused to tell us about the breach of information so they can not be trusted in my eyes.
Consumer complaint received 2018-01-19
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. (TX)

cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX breach has cost me tons of money taking more than 30 days violation of my rights
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (TX)

XXXX XXXX from Advanced Collection Bureau has been calling since XXXX trying to collect on debt that is not valid. I have explained this to her on the phone and told her to send me the paperwork proving this debt. She is saying I owe {$11000.00} on a lease debt. I wanted to complain also about the repeated calls daily and using abusive language. She has said they is a court judgement. There is no judgement. I never received any letters/notifications from the company who told her I owe this debt. She has made false statements or representation of the wrong amount. There is no way I can owe {$11.00}, XXXX that is more than the whole lease. She has also contacted my roommate and my parents multiple times after they said we wo n't talk to you. They said we do n't know her and where she is. She also threatened to damage my credit for this invalid debt. She has damaged my credit when she has not sent any documentation to me to prove/invalidate the debt.
Consumer complaint received 2018-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I was purchased marketing & promotional Services from XXXX XXXX aka XXXX  he put my song on XXXX for XXXX which was not the deal his services are SCAM not correct. He says to bad no refunds I called PayPal over 7 times & Filed a Dispute almost 30days later they file it in the Scam sellers Favor
Consumer complaint received 2018-01-19
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. (SC)

In XXXX of 2018 I submitted a letter to Experian about unauthorized inquiries on my credit report, they sent a letter back saying these inquiries were VERIFIED. I would like to know how they verified this information, because I didn't give anyone permission to pull my credit